Chief Technology Officer (CTO) | Gurgaon | NBFC / Digital Lending

Location: Gurugram
Work Mode: 5 days Work From Office
Experience: 15–20+ years
Reporting To: Chief Executive Officer/Director
Eleviant Consulting is supporting the search for a Chief Technology Officer (CTO) for a fast-paced NBFC operating in the unsecured / short-term consumer lending space.
We are looking for a technology leader who combines deep NBFC and lending-domain experience with strong engineering and architecture capability.
This is not a governance-only or delegation-heavy CTO role.
The successful candidate must be comfortable staying close to technology, working directly with engineering teams, reviewing architecture, challenging technical decisions and stepping into critical production or platform issues when required.
We are specifically looking for someone who believes technology leadership means solving problems with the team, not simply managing them from above.
What the CTO will own
The CTO will work closely with the CEO and senior leadership team to define and execute the organisation’s technology strategy.
The role will have responsibility across:
Technology strategy and roadmap
Engineering and application development
Enterprise and platform architecture
Digital lending platforms
Cloud and infrastructure
Data platforms
DevOps and engineering practices
Information security and technology controls
Technology vendors and strategic partners
Technology organisation design and talent
The CTO will be expected to translate business priorities into scalable, reliable and commercially sensible technology solutions.
Digital Lending Technology
The candidate should have strong understanding of the end-to-end lending technology lifecycle, including several of the following areas:
Digital customer acquisition
Customer onboarding
eKYC and identity verification
Credit bureau integrations
Third-party data integrations
Credit underwriting
Credit decisioning
Rules engines and scorecards
Loan Origination Systems (LOS)
Loan Management Systems (LMS)
Disbursement systems
Payments and repayment processing
Collections technology
Customer servicing platforms
Fraud detection and risk controls
Partner and fintech integrations
API ecosystems
Experience within unsecured consumer lending, personal loans, short-tenure lending or payday lending is particularly important.
Architecture & Engineering
We are looking for a CTO with genuine technical depth.
The successful candidate need not be a day-to-day programmer, but should be technically strong enough to independently assess architecture, engineering quality, scalability, performance and technology risk.
Experience should include strong exposure to areas such as:
Microservices and distributed architectures
API-led platforms
REST APIs and API gateways
Event-driven systems
Kafka or comparable messaging platforms
Relational and NoSQL databases
AWS, Azure or GCP
Kubernetes and containerised environments
CI/CD
DevOps
Infrastructure as Code
High-volume transaction processing
Monitoring and observability
Performance engineering
High availability
Disaster recovery
Application and infrastructure security
Data platforms and analytics
Exposure to backend technologies such as Java, Python, Golang or comparable modern technology stacks would be valuable.
More important than any single technology, however, is the ability to understand systems deeply and make sound architecture and engineering decisions.
Hands-on Leadership
This is a critical part of the mandate.
We are looking for someone who:
Remains close to engineers and architects
Can participate meaningfully in architecture and design discussions
Is comfortable getting into technical detail when required
Can diagnose complex technology and production problems
Challenges assumptions rather than accepting status reports at face value
Helps teams resolve bottlenecks
Creates engineering ownership and accountability
Can balance speed, scalability, security and technical debt
Leads through technical credibility as well as organisational authority
The organisation does not need a CTO whose contribution is limited to steering committees, dashboards, vendor reviews or management reporting.
Engineering Organisation
The CTO will be responsible for building and developing a strong technology organisation across areas such as:
Engineering
Architecture
DevOps
Infrastructure
Data
Technology operations
The role will include:
Building strong engineering leadership layers
Recruiting and retaining technology talent
Establishing clear accountability
Improving engineering productivity
Improving release quality and predictability
Setting measurable technology and engineering KPIs
Strengthening ownership within internal teams
Reducing unnecessary vendor dependency
Developing a high-performance engineering culture
Risk, Security & Regulatory Environment
Given the nature of the business, the CTO must understand technology within a regulated financial-services environment.
The role will work closely with Credit, Risk, Compliance, Legal and Information Security teams and should have exposure to areas such as:
RBI technology and digital-lending requirements
Cybersecurity
Data governance
Customer-data protection
Access controls
API security
Transaction security
Audit trails
Business continuity
Disaster recovery
Regulatory and technology audits
Technology controls should be built into the architecture rather than added as an afterthought.
Data, Risk & Decisioning
The CTO should also be able to strengthen the use of technology and data across:
Underwriting
Credit decisioning
Fraud management
Collections
Portfolio monitoring
Customer lifecycle management
Experience with real-time or batch data-processing platforms, automated decisioning and risk systems will be valuable.
Exposure to analytics, machine learning or AI applied to underwriting, fraud, collections or customer servicing will be considered relevant where it has delivered measurable business value.
Candidate Profile
We would particularly like to speak with candidates who have:
15–20+ years of overall technology experience
Senior leadership experience as CTO, VP Engineering, SVP Engineering, Head of Technology, Head of Engineering or equivalent
Significant experience within an NBFC or digital lending organisation
Direct exposure to unsecured lending, personal loans, short-tenure loans or payday lending
Strong understanding of the complete digital lending technology ecosystem
Experience building or scaling high-volume technology platforms
Strong engineering and architecture depth
Experience leading sizeable engineering and technology teams
Experience operating directly with CEOs and senior business leadership
Strong ownership and execution orientation
Ability to operate effectively in a fast-moving environment
Experience with digital-first NBFCs, fintech lenders or rapidly scaling consumer-lending organisations would be especially relevant.
Who is unlikely to fit
This role is unlikely to suit candidates whose experience is primarily in:
Generic IT services
Pure technology consulting
Banking technology without direct lending ownership
Payments-only businesses
Insurance
Wealth-tech
SaaS
Program management
IT governance
Vendor management
unless they also have substantive NBFC / unsecured-lending technology experience and strong engineering ownership.
Similarly, candidates whose recent leadership experience has moved completely away from architecture, engineering and technology problem-solving may find this mandate less suitable.
Location
This position is based in Gurugram and requires five days a week working from the office.
Candidates currently based outside NCR may also be considered if they are genuinely open to relocating to Gurugram.
Education
Bachelor’s or Master’s degree in Computer Science, Engineering, Information Technology or a related disciplinefrom a recognised institution.

Work arrangement
No