Fintech CTO: Platform Architecture & Security Leader

Kafaa Capital - كفاءة المالية; Riyadh; On-site; SAR 600,000 - 900,000; Full time

Job summary

Kafaa Capital - كفاءة المالية in Riyadh is seeking a Director of Technology (CTO-equivalent) to own the technology strategy, architecture, and engineering execution, ensuring a scalable, secure, and reliable platform.

You will lead end-to-end delivery from onboarding and KYC to payments and open banking, manage cloud, CI/CD, security, and CMA/NCA/PDPL/AML/KYC compliance, while guiding a growing engineering team and external partners in a regulated fintech environment.

Qualifications

• Saudi national (Mandatory).
• CMA 1 Certification (General Securities Qualification Certificate from CMA) - Mandatory.
• Bachelor's degree in Computer Science, Software Engineering, Information Technology, or a related field.
• Minimum 6+ years of professional software engineering experience, including hands-on production work.
• Minimum 3+ years in an engineering leadership role with direct responsibility for hiring, team management, and delivery.
• Proven track record of owning complex systems end-to-end (architecture, delivery, and operations) in fast-paced environments.
• Strong command of system design, scalability, cloud infrastructure, CI/CD, and production monitoring.
• Professional working proficiency in both Arabic and English.

Responsibilities

• Define and execute the technology strategy, architecture, and engineering standards.
• Lead system modernization, refactoring, performance optimization, and engineering practices.
• Translate business goals into technical roadmaps with security priorities.
• Lead end-to-end delivery of onboarding, KYC, payment flows, open banking, and investment lifecycles.
• Own cloud infrastructure, environments, CI/CD pipelines, disaster recovery, and operations.
• Establish observability, logging, and incident response standards for high availability.
• Ensure CMA cybersecurity guidelines, NCA controls, PDPL, and AML/KYC compliance.
• Manage external penetration testing, vulnerability remediation, and vendor risks.
• Lead integrations with banks, payment gateways, and identity providers.
• Build, mentor, and lead the internal engineering team and external partners.

Skills

Leadership

End-to-end ownership

Bilingual Arabic/English

System design

Cloud & CI/CD

Production monitoring

Security & compliance awareness

Fintech knowledge

Education

Bachelor's degree in CS/Software Eng/IT

CMA 1 Certification (General Securities)

Tools

CI/CD tooling

Cloud platforms

Security testing tools

Job description

Kafaa Capital - كفاءة المالية in Riyadh is seeking a Director of Technology (CTO-equivalent) to own the technology strategy, architecture, and engineering execution, ensuring a scalable, secure, and reliable platform.

You will lead end-to-end delivery from onboarding and KYC to payments and open banking, manage cloud, CI/CD, security, and CMA/NCA/PDPL/AML/KYC compliance, while guiding a growing engineering team and external partners in a regulated fintech environment.