Co-Founder & Chief Technology Officer (CTO)

Co-Founder & CTO (Chief Technology Officer) – UmrahPeLocation: Remote / India / Saudi Arabia (Flexible)Role Type: Co-Founder (Equity + Capital Investment)Sector: Fintech | Cross-Border Payments | B2B | TravelTechAbout UmrahPeUmrahPe is building a first-of-its-kind fintech infrastructure to power cross-border B2B payments and forex services for the $1000B+ global Umrah market. Our platform simplifies remittance from Indian Umrah tour operators to Saudi Arabian suppliers and equips pilgrims with co-branded forex cards accepted across Saudi Arabia.Role OverviewWe’re seeking a Co-Founder & CTO with deep fintech experience to architect, build, and scale the UmrahPe platform. As a technical co-founder, you’ll lead product development, ensure regulatory-compliant architecture (RBI, SAMA), and help shape the future of Islamic travel finance.This is also a founder-investor role — we’re looking for someone ready to invest time and capital into building a high-growth, purpose-driven company from the ground up.Key ResponsibilitiesPlatform Ownership: Build a secure, scalable, cloud-native cross-border payment and remittance platformCompliance Integration: Design systems aligned with RBI & SAMA fintech/FX regulationsKYC/AML Automation: Implement automated onboarding, verification, and fraud detection toolsForex Card Integration: Partner with banking APIs to issue and manage co-branded prepaid cardsTech Team Leadership: Build and lead a distributed product & engineering teamInvestor Role: Contribute early-stage investment to support MVP launch and early operationsInnovation: Stay ahead with trends in blockchain, embedded finance, UPI, and cross-border APIsIdeal Background6–10+ years in fintech or cross-border paymentsProven experience building B2B or financial SaaS productsHands-on with tech stacks: Node.js/Python, AWS, Mongo/Postgres, API integrations, mobile + web appsKnowledge of ISO 20022, PCI-DSS, AML/KYC frameworks is a huge plusAbility and willingness to invest in the platform’s MVP and early developmentEntrepreneurial, product-first mindsetWhat You’ll GetCo-Founder Equity in a mission-led, venture-scalable fintech companyCreative and technical freedom to define and build an entire ecosystemLeadership role in a multi-market, regulated fintech businessStrong support system from domain experts in Umrah travel, Saudi business, and B2B salesOpportunity to impact the lives of millions of pilgrims and thousands of businessesif you’re a fintech technologist with a builder’s mindset and an investor’s commitment, let’s talk.www.umrahpe.comBuild the future of Islamic travel finance with us.