Chief Technology Officer

Chief Technology Officer (CTO) Location: Lagos (Hybrid)Industry: Fintech, SaaS, Payments, Marketplace, SME Digital ServicesBase Salary: 2.3 million monthly (27.6 million annually)Experience Level: 15+ YearsReports 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 architectureSaaS and multi-tenant platform engineeringPOS systems, settlement engines & API ecosystemsCybersecurity, compliance & risk frameworksScaling engineering teams and high-growth productsMulti-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 systemsPayment gatewaysBroadband and utility APIsHR/Payroll APIsKYC/AML identity verification toolsOversee 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 RegulationsNDPRPCI-DSSISO 27001Build enterprise-grade security frameworks covering:Data encryption & tokenizationIdentity and access managementTransaction monitoring & fraud detectionDisaster 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+ SMEsMulti-currency operationsMulti-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 platformsBanking-grade infrastructurePOS/acquiring systemsLending/BNPL workflowsLarge API ecosystemsStrong expertise in:Microservices architectureCloud platforms (AWS/Azure/GCP)DevOps & CI/CDDistributed systems & cloud-native engineeringCybersecurity frameworksExperience supporting multi-country deployments is an added advantage. Personality Traits Visionary technology leader with hands-on technical competenceStrong leadership and cross-functional collaboration skillsExcellent communication and decision-making abilityPassion for digital inclusion and SME empowermentAbility 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 organisationAccess expanded equity through future option poolsPlay a central role in fundraising and investor discussionsInfluence 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 LaunchSystem Reliability & UptimeWallet/POS/Settlement Integration DeliveryUser Growth TargetsRevenue & 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)