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Fintech & Payments Founding Engineer, Jobs 2026 Tech Lead (CTO Path) – Apply Online Full Time NEW
Introduction
If you are seeking a high-impact career in fintech, this Fintech & Payments Founding Engineer/Tech Lead (CTO Path) role is an excellent opportunity. This position is designed for experienced engineers who want to work on innovative financial products while building scalable systems from the ground up. It is especially suitable for individuals with a strong sense of ownership who are interested in long-term leadership growth.
This role offers a unique chance to work within a venture studio that builds and scales fintech startups. You will not only contribute technically but also play a key role in shaping products that handle real financial transactions across different markets.
Job Overview
- Industry: Fintech / Payments
- Job Type: Full-Time
- Experience: Minimum 5+ Years
- Role Level: Senior / Leadership
- Career Growth: CTO (Chief Technology Officer) Path
About the Company
The hiring organization is a venture studio focused on fintech and payments-driven startups. Their mission is to launch and scale innovative financial products quickly while maintaining compliance and security standards. The company works across multiple areas such as digital wallets, payment systems, savings platforms, lending solutions, and embedded finance products.
By working here, you will gain exposure to multiple ventures and have the opportunity to build real-world financial infrastructure that can handle high transaction volumes. This environment is ideal for engineers who enjoy fast-paced development and solving complex financial challenges.
Description
As a Fintech & Payments Founding Engineer, you will be responsible for designing, developing, and deploying financial platforms from scratch. Your work will involve building fast MVPs and then scaling them into secure and reliable systems capable of handling real transaction loads.
You will work on critical areas such as payment integrations, wallet architecture, and transaction management systems. The role requires a deep understanding of fintech operations, compliance requirements, and secure system design. Over time, you will also transition into a leadership role with the potential to become a CTO for one of the venture’s startups.
Responsibilities
- Design and develop fintech platforms from the ground up
- Build and maintain wallet systems and ledger architecture
- Integrate payment gateways and financial APIs
- Manage transaction lifecycle, reconciliation, and reporting
- Develop secure backend systems for financial applications
- Implement audit logs, traceability, and compliance controls
- Ensure system reliability, uptime, and performance
- Collaborate closely with product teams and founders
Requirements
Fintech & Payments Expertise
- Payment gateway integration and orchestration
- Wallet architecture and ledger system design
- Double-entry accounting principles
- Transaction lifecycle and reconciliation
- KYC, AML, and compliance-aware system design
- Fraud detection and risk management
Backend Development
- Node.js with TypeScript or a similar stack
- Express or NestJS frameworks
- RESTful and GraphQL APIs
- PostgreSQL or other relational databases
- Event-driven architecture and background processing
Frontend Development
- Flutter for mobile applications (Android & iOS)
- React.js for dashboards and internal tools
- Secure authentication and role-based access
Security & Infrastructure
- Secure API design and encryption standards
- Tokenization and sensitive data handling
- Cloud platforms like AWS or GCP
- CI/CD pipelines and containerization
- High availability and scalability practices
Eligibility Criteria
- Minimum 5+ years of professional development experience
- Strong background in fintech or payments systems
- Experience with high-transaction platforms
- Knowledge of wallet architecture and ledger logic
- Experience integrating payment APIs or banking systems
- Strong full-stack development skills
- Ability to build products from concept to production
- Entrepreneurial mindset with strong ownership
Salary & Benefits
- Competitive and market-based salary package
- Opportunity to work on cutting-edge fintech products
- Exposure to multiple startup ventures
- Strong career growth and leadership opportunities
- Clear path toward CTO role
- Professional and collaborative work environment
How to Apply
Interested candidates can apply by submitting their updated CV via the company’s official application channel. Make sure your resume highlights your fintech experience and technical skills relevant to this role.
Important Notes
- This is a hands-on technical leadership role
- Candidates must have a strong execution and ownership mindset
- Not suitable for agencies or software service providers
- Only shortlisted candidates will be contacted
Frequently Asked Questions (FAQ)
Q: Is this a remote or on-site role?
The work setup depends on the company’s policies and project requirements.
Q: What is the main focus of this role?
The role focuses on building and scaling fintech and payment systems.
Q: Is prior fintech experience mandatory?
Yes, strong fintech or payments experience is highly preferred.
Q: Is there a leadership growth opportunity?
Yes, this role offers a clear path toward becoming a CTO.
