Chief Technology Officer (CTO)
Property Bridges – Infinity Platform
Location
Dublin, Ireland
Reporting to
Founder & CEO
The role
Property Bridges is building Infinity — a next-generation, asset-linked investment product. This is not a marketing site or a simple fintech app. The CTO will be responsible for designing and delivering the core financial infrastructure behind Infinity, including:
- a canonical loan & claims register
- a high-integrity allocation and reassignment engine
- safeguarded client-money flows
- regulator-defensible auditability and unwindability
This role sits at the intersection of engineering, finance, and regulation.
What you will be building
You will architect and own a platform that:
- Fractionalises large, secured property loans into thousands of micro-claims
- Allocates and reallocates those claims across investors deterministically
- Supports partial, queued exits via asset assignment (not redemption)
- Ensures investor entitlements are asset-linked, not pooled
- Integrates with an EMI (e.g. Mangopay) under PSD2 / PSR 2018
- Can be cleanly unwound in an insolvency scenario
If this sounds closer to capital markets infrastructure than “startup SaaS”, that’s intentional.
Core responsibilities
Architecture & systems
- Design the canonical loan & receivables register (single source of truth)
- Design the allocation / reassignment engine (primary + exit flows)
- Ensure idempotent, auditable ownership transfers
- Define data models that regulators, auditors, and insolvency practitioners can understand
Payments & safeguarding
- Own integration with EMI / PSP partners (e.g. Mangopay)
- Ensure full compliance with safeguarding and segregation rules
- Design failure-safe cash flows (stuck payments, partial exits, retries)
Regulatory robustness
- Build systems that prove asset-linkage in practice, not just in legal docs
- Ensure every investor balance can be traced to specific loan cashflows
- Support regulator queries, audits, and stress scenarios
- Design with “substance over form” in mind
Team & delivery
- Build and lead a small, high-quality engineering team
- Decide what is built in-house vs outsourced
- Set engineering standards, security practices, and deployment discipline
- Deliver a phased roadmap (MVP → scalable platform)
What this role is not
- This is not a pure people-management CTO role
- This is not a front-end or growth-driven role
- This is not a “move fast and fix later” environment
- Hands-on architectural leadership is essential.
Required experience (non-negotiable)
We expect most strong candidates to have several of the following:
- 8–15+ years as a senior backend / systems engineer or architect
- Experience building ledger-based financial systems
- Experience with financial asset ownership, not just balances
- Experience in at least one of:
- P2P lending
- marketplace lending
- loan servicing platforms
- trading or clearing systems
- Deep understanding of:
- transactional integrity
- reconciliation
- audit trails
- failure states
Strongly preferred experience
- Exposure to EU financial regulation (PSD2, EMIs, crowdfunding, MiFID, etc.)
- Experience working with regulators, auditors, or legal teams
- Prior responsibility for systems that went through regulatory scrutiny
- Experience scaling systems handling millions of ownership records
- Background in payments, capital markets, or accounting systems
Technical expectations
You should be fluent in designing systems that use:
- Strongly consistent data stores (not “eventually consistent and hope”)
- Explicit ownership and entitlement models
- Deterministic allocation logic
- Clear separation between:
- client money
- platform money
- asset ownership
Specific languages/frameworks matter less than systems thinking.
What success looks like in 12 months
- Infinity MVP live with real investors and real money
- Clean, regulator-defensible architecture
- Clear audit trails from borrower → loan → fraction → investor → cash
- A platform that scales without needing “manual smoothing”
- The CBI asking hard questions — and the system answering them
Why this role is interesting
- You will design the core financial engine of a regulated investment platform
- You will work directly with the founder, lawyers, and regulators
- You will solve problems most engineers never get to touch
- You will build something that must be correct, not just clever
This is a role for someone who enjoys precision, responsibility, and depth.
