CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being.
Job Title: Chief Technology Officer (CTO)
Department: Product & Engineering
Job Type: Full Time/Hybrid
Level: Senior
Purpose Statement
We are seeking a visionary and execution-focused Chief Technology Officer (CTO) to lead CredPal’s technology strategy, engineering execution, and platform scalability. The CTO will be responsible for building and maintaining secure, resilient, and high-performing systems that power CredPal’s credit, payments, investments, and financial services ecosystem. As a core member of CredPal’s executive leadership team, the CTO will work closely with Product & Engineering, Risk, Compliance, and Business leaders to translate strategic objectives into scalable technical solutions. This role is ideal for a hands-on technology leader with deep fintech experience, strong people leadership, and a passion for building impactful financial infrastructure in emerging markets.
Define and execute CredPal’s long-term technology vision in alignment with business growth and product strategy.
Architect scalable, secure, and high-availability systems supporting credit origination, payments, investments, savings, and bill payments.
Lead decisions on infrastructure, cloud services, tooling, and emerging technologies to support rapid scale.
Engineering Leadership & Execution
Build, lead, and mentor a high-performing engineering organization across backend, frontend, mobile, DevOps, data, and quality assurance.
Partner closely with Product leadership to deliver CredPal’s product roadmap efficiently and at high quality.
Establish engineering standards, best practices, documentation, and performance benchmarks.
Scalability, Reliability & Performance
Ensure platform reliability, uptime, and performance across all customer-facing and internal systems.
Drive adoption of DevOps, CI/CD, and automation to enable fast, safe, and frequent releases.
Lead incident management, system monitoring, and continuous improvement initiatives.
Security, Risk & Regulatory Compliance
Own CredPal’s technology security posture, data protection, and infrastructure resilience.
Ensure compliance with relevant fintech regulations, data protection laws (NDPR), and industry standards.
Collaborate with Risk and Compliance teams to embed risk controls and fraud prevention mechanisms into system design.
Data & Credit Enablement
Enable reliable data infrastructure to support credit scoring, risk assessment, and data-driven decision-making.
Ensure data accuracy, availability, and scalability across product, risk, and business functions.
Cross-Functional Collaboration
Work closely with Product, Risk, Compliance, Operations, and Commercial teams to align technology execution with market and customer needs.
Communicate complex technical concepts clearly to executive leadership and non-technical stakeholders.
Stay ahead of fintech, credit, and payments technology trends relevant to Nigeria and other developing markets.
Balance innovation with system stability, regulatory requirements, and customer trust.
Continuously improve engineering processes using agile methodologies and modern development practices.
Requirements
Bachelor’s degree in Computer Science, Engineering, or a related field; a Master’s degree is an advantage.
6+ years of experience in software engineering, with at least 4–5 years in a senior technology leadership role.
Proven experience building and scaling fintech platforms, particularly in credit, payments, or digital financial services.
Strong understanding of cloud infrastructure, APIs, microservices, distributed systems, and mobile-first architectures.
Deep knowledge of security, risk management, and regulatory requirements in financial services.
Experience leading and scaling engineering teams in high-growth or startup environments.
Strong understanding of agile development, DevOps practices, and modern engineering workflows.
Excellent leadership, communication, and stakeholder management skills.
Strong familiarity with the Nigerian fintech ecosystem and operating in emerging markets is a major advantage.
Benefits
Professional development opportunities.
A collaborative and inclusive work culture that fosters growth and innovation.
Opportunity to work with cutting-edge products and technologies.
Supportive and approachable management team dedicated to your success
Skills Required
- Bachelor's degree in Computer Science, Engineering, or a related field
- 6+ years of experience in software engineering
- 4-5 years in a senior technology leadership role
- Experience building and scaling fintech platforms
- Strong understanding of cloud infrastructure and APIs
- Deep knowledge of security, risk management, and regulatory requirements
- Experience leading engineering teams in startup environments
- Good understanding of agile development and DevOps practices
- Strong familiarity with the Nigerian fintech ecosystem
What We Do
CredPal is a fintech company based in Lagos, Nigeria, that provides buy now, pay later (BNPL) solutions for consumers and businesses across Africa. It integrates payments, savings, credit, and investments into one powerful platform, empowering individuals to achieve their financial goals and offering seamless credit access.
