Chief Technology Officer (CTO)

Chief Technology Officer (CTO)

Location: Lagos (Hybrid) Industry: Fintech, SaaS, Payments, Marketplace, SME Digital Services Base Salary: 2.3 million monthly (27.6 million annually) Experience Level: 15+ Years Reports To: CEO / Board of Directors

Company Overview

Our client is a high-growth digital technology company developing a unified SME Business Operating Platform designed to power the next generation of African businesses. The platform delivers integrated digital solutions across payments, POS, lending, accounting, e-commerce, HR, broadband, and API-driven services enabling SMEs to operate efficiently, access finance easily, and scale sustainably.

As part of the companys expansion and technology transformation journey, we are seeking an outstanding Chief Technology Officer (CTO) to lead the technology organisation and drive platform innovation across multiple markets.

Role Summary

We are hiring a seasoned Chief Technology Officer (CTO) to define and execute the end-to-end technology vision for a fast-scaling digital platform serving SMEs across Africa. The CTO will provide leadership across engineering, product development, cloud infrastructure, DevOps, cybersecurity, and fintech/payment integrations.

The ideal candidate is a strategic thinker with deep technical expertise in:

Fintech systems, digital wallets & payment architecture

SaaS and multi-tenant platform engineering

POS systems, settlement engines & API ecosystems

Cybersecurity, compliance & risk frameworks

Scaling engineering teams and high-growth products

Multi-country digital platform deployment

This role requires hands-on technical depth and strong leadership capability.

Key Responsibilities

A. Technology Leadership & Strategy

Define and implement the long-term technical roadmap for the platform.

Architect a secure, scalable, multi-tenant SaaS ecosystem.

Establish engineering standards, coding frameworks, and best practices.

Lead technology budgeting, infrastructure planning, and vendor management.

B. Product Development & Engineering Management

Build and lead a high-performing engineering team (frontend, backend, mobile, QA, DevOps, data).

Implement agile delivery, CI/CD pipelines, automated testing, and system observability.

Oversee UX/UI efforts to deliver seamless SME onboarding and usage.

Manage the full product lifecycle: ideation development release iteration.

C. Fintech, Banking & Payments Integrations

Lead integrations with core banking APIs, wallet services, POS systems, virtual accounts, and settlement engines.

Ensure real-time synchronization between POS transactions, wallet balances, and settlement flows.

• Integrate and manage third-party platforms including:

Accounting systems

Payment gateways

Broadband and utility APIs

HR/Payroll APIs

KYC/AML identity verification tools

Oversee development of lending and BNPL modules with embedded credit decisioning.

D. Security, Compliance & Risk Management

• Ensure adherence to key regulatory and compliance standards including:

CBN Regulations

NDPR

PCI-DSS

ISO 27001

• Build enterprise-grade security frameworks covering:

Data encryption & tokenization

Identity and access management

Transaction monitoring & fraud detection

Disaster recovery, backups & business continuity planning

E. Infrastructure, Architecture & Scalability

Lead cloud infrastructure strategy (AWS / Azure / GCP).

Implement high-availability architecture (99.9% uptime), microservices, containerization, and distributed systems.

• Build systems capable of supporting:

100,000+ SMEs

Multi-currency operations

Multi-country expansion (Kenya, Ghana, South Africa, etc.)

Oversee DevOps pipelines, performance tuning, and automated deployment processes.

F. Stakeholder & Partnership Management

Manage technical relationships with banking partners, fintech providers, and API vendors.

Collaborate cross-functionally with Product, Risk, Finance, Operations, and Commercial teams.

Present technology updates, insights, and performance reports to Executives, the Board, and Investors.

Required Qualifications & Skills

15+ years of software engineering experience, with at least 7 years in senior technology leadership (CTO, VP Engineering, Head of Technology).

Deep experience in fintech, payments, digital wallets, settlement systems, and API-driven architectures.

• Proven ability to build and scale:

Multi-tenant SaaS platforms

Banking-grade infrastructure

POS/acquiring systems

Lending/BNPL workflows

Large API ecosystems

• Strong expertise in:

Microservices architecture

Cloud platforms (AWS/Azure/GCP)

DevOps & CI/CD

Distributed systems & cloud-native engineering

Cybersecurity frameworks

Experience supporting multi-country deployments is an added advantage.

Personality Traits

Visionary technology leader with hands-on technical competence

Strong leadership and cross-functional collaboration skills

Excellent communication and decision-making ability

Passion for digital inclusion and SME empowerment

Ability to thrive in fast-paced, high-growth environments

Growth Potential

As the platform expands across Africa, the CTO will have opportunities to:

Lead a multi-country engineering organisation

Access expanded equity through future option pools

Play a central role in fundraising and investor discussions

Influence long-term strategy and platform direction

Compensation Package

Base Salary: 2.3 million monthly (27.6 million annually)

Annual Performance Bonus: 35 million based on milestones

MVP Launch

System Reliability & Uptime

Wallet/POS/Settlement Integration Delivery

User Growth Targets

Revenue & Platform Adoption

How to Apply

Qualified candidates should send their CV and a brief cover note to: hiring@myigma.io Subject Line: Application Chief Technology Officer (CTO)