Chief Technology Officer (CTO)

Lenme Inc; San Francisco (CA); On-site; USD 250,000 - 400,000; Full time

Job summary

Lenme Inc. in San Francisco is seeking a CTO who will shape the technical foundation of a rapidly growing fintech. You’ll own the tech stack end-to-end, build a world-class engineering culture, and partner with the CEO to scale to tens of millions of users.

You’ll make critical architectural decisions, ensure security and compliance, and deliver products with speed and quality. This is a zero-to-one and one-to-many leadership role for a founder-minded innovator.

Qualifications

• You’ve built and scaled real systems—not just managed teams.
• You think like a founder and care deeply about outcomes.
• You move fast and are comfortable with ambiguity.
• You have strong opinions, loosely held—and you’re not afraid to challenge ideas.
• You care about product, not just code.
• You’ve worked on high-growth startups or built something from scratch.
• You understand fintech (or can learn it quickly).
• You want to create something meaningful, not just optimize existing systems.
• You’ll have massive ownership and direct impact on the company’s future.
• You’ll help redefine how lending works for millions of people.
• You’ll work with a small, fast-moving team that actually ships.
• You’ll be encouraged to experiment, take risks, and bring bold ideas.

Responsibilities

• Own the entire technology stack—from architecture to deployment
• Build and scale a world-class engineering team from the ground up
• Design systems that are fast, reliable, and can handle massive growth
• Work closely with product to ship quickly without compromising quality
• Rethink fintech infrastructure to improve performance and scale
• Introduce new ideas, tools, and approaches that push the product forward
• Make high-impact decisions with minimal bureaucracy
• Set the technical culture: high ownership, speed, and accountability
• Ensure security, compliance, and trust at scale

Job description

San Francisco, United States | Posted on 04/08/2026

We’re looking for a CTO who wants to build—not just manage.

This is not a “maintain the system” role. This is a 0 to 1 and 1 to 100 role where you will shape the technical foundation of a rapidly growing fin-tech company.

You’ll work directly with the CEO and leadership team to define how Lenme scales to tens of millions of users. You’ll make key architectural decisions, build systems that don’t break under pressure, and create a culture where engineers move fast and think independently.

We love people who challenge assumptions and bring new, creative ideas to the table. If you’re someone who questions “why” and builds better answers, you’ll fit right in.

What You’ll Do

• Own the entire technology stack—from architecture to deployment
• Build and scale a world-class engineering team from the ground up
• Design systems that are fast, reliable, and can handle massive growth
• Work closely with product to ship quickly without compromising quality
• Rethink how fintech infrastructure should work (not how it’s always been done)
• Introduce new ideas, tools, and approaches that push the product forward
• Make high-impact decisions with minimal bureaucracy
• Set the technical culture: high ownership, speed, and accountability
• Ensure security, compliance, and trust at scale

Requirements

You’ve built and scaled real systems—not just managed teams

You think like a founder and care deeply about outcomes

You move fast and are comfortable with ambiguity

You have strong opinions, loosely held—and you’re not afraid to challenge ideas

You care about product, not just code

You’ve worked on high-growth startups or built something from scratch

You understand fin-tech (or can learn it quickly)

You want to create something meaningful, not just optimize existing systems

You’ll have massive ownership and direct impact on the company’s future.

You’ll help redefine how lending works for millions of people

You’ll work with a small, fast-moving team that actually ships

You’ll be encouraged to experiment, take risks, and bring bold ideas