Chief Technology Officer- Digital Lending/NBFC

Bridgexcel; Gurugram District; On-site; INR 4,500,000 - 8,000,000; Full time

Job summary

Bridgexcel seeks an experienced Chief Technology Officer to shape technology strategy, architecture, and engineering for its digital lending platform within a fast-growing NBFC.

Based in Gurugram, the role focuses on unsecured/short-term lending, API-driven ecosystems, scalable cloud infrastructure and strong leadership of large engineering teams. The candidate must have extensive NBFC/digital lending experience and drive end-to-end platform delivery.

Qualifications

• 15–20 years of technology leadership experience.
• NBFC/fintech digital lending domain exposure.
• End-to-end digital lending platform knowledge.
• Strong architecture, scaling of high-volume platforms.
• Willing to work from Gurugram office, 5 days a week.

Responsibilities

• Define and drive technology strategy aligned with lending goals.
• Lead the digital lending tech ecosystem: eKYC, underwriting, LOS, LMS, disbursement, payments, collections, servicing, fraud and API integrations.
• Own application, data, integration, cloud and infra architecture.
• Drive microservices, API-led and event-driven architectures for scalability and observability.
• Build and lead engineering, architecture, DevOps, infrastructure and data teams.
• Establish engineering KPIs, delivery standards, security and governance.
• Ensure RBI, cybersecurity, data governance and information-security compliance.
• Strengthen data, risk, fraud, analytics and decisioning capabilities.
• Manage technology vendors, budgets, partnerships and build-vs-buy decisions.
• Partner with CEO, Board, Risk, Credit, Compliance and Business teams.

Skills

Java

Python

Golang

Microservices

REST APIs

Kafka

SQL

NoSQL

AWS

Azure

Job description

Chief Technology Officer (CTO) Digital Lending / NBFC

Role Overview

We are looking for an experienced CTO to lead technology strategy, architecture, engineering, and digital lending platforms for a fast-growing NBFC focused on unsecured/short-term consumer lending.

Mandatory Experience:-

• 15–20 years of overall technology experience.
• CTO / VP Engineering / Head of Technology / Engineering Head-level leadership experience.
• Mandatory experience in an NBFC, fintech lender, or digital lending organisation.
• Strong hands-on exposure to unsecured consumer lending, personal loans, short-term/payday lending.
• End-to-end understanding of the digital lending lifecycle.
• Experience scaling high-volume customer-facing financial platforms and large engineering teams.
• Strong expertise in cloud, APIs, microservices, DevOps, distributed systems, and modern engineering practices.
• Willingness to work from Gurugram office, 5 days a week.

Key Responsibilities:-

• Define and execute technology strategy aligned with business and lending goals.
• Lead the complete digital lending technology ecosystem, including eKYC, credit bureau integrations, underwriting, LOS, LMS, disbursement, payments, collections, servicing, fraud and partner APIs.
• Own application, data, integration, cloud and infrastructure architecture.
• Drive microservices, API-led and event-driven architectures, scalability, high availability, DR and observability.
• Build and lead engineering, architecture, DevOps, infrastructure and data teams.
• Establish engineering KPIs, delivery standards, security and technology governance.
• Ensure compliance with RBI, digital lending, cybersecurity, data governance and information-security requirements.
• Strengthen data, risk, fraud, analytics and decisioning capabilities.
• Manage technology vendors, budgets, partnerships and build-vs-buy decisions.
• Partner closely with the CEO, Board, Risk, Credit, Compliance and Business teams.

Required Technical Exposure:-

Strong understanding of several of the following:

• Java / Python / Golang
• Microservices & REST APIs
• Kafka / Event-driven architecture
• SQL & NoSQL databases
• AWS / Azure / GCP
• Kubernetes & Containers
• CI/CD & DevOps
• Infrastructure as Code
• Distributed systems & high-volume transaction processing
• Data platforms, AI/ML, security and observability

Preferred

• Digital-first NBFC / fintech lending experience.
• Real-time underwriting and decisioning engines.
• Fraud and risk analytics.
• Large-scale payment integrations.
• Cloud migration / platform modernisation.
• Data/ML-driven lending or collections solutions.

Critical Screening Criteria :-

Candidates must have all of the following:

1. 15–20 years of technology experience.
2. CTO / VP Engineering / Head of Technology-level experience.
3. NBFC / digital lending experience.
4. Unsecured / personal / short-term lending exposure.
5. End-to-end digital lending technology knowledge.
6. Strong architecture and engineering leadership.
7. Experience scaling platforms and technology teams.
8. Willingness to work 5 days a week from Gurugram.

Candidates from generic IT services, payments, insurance, wealth-tech or SaaS without substantial unsecured lending experience should not be considered.