Chief Technology Officer – Engineer the Future of UK Digital Banking

About the Company

A regulated digital bank based in London, offering retail and business banking entirely through mobile and web platforms. With hundreds of thousands of customers, a growing product range from current accounts to lending, and a strong balance sheet, the bank is investing in next-generation core-banking technology and AI-driven customer experiences.

Why Join Us?

Digital banking in the UK remains one of the most competitive technology arenas in the world — and this bank is a serious contender. As CTO, you will own the platform behind a beloved consumer brand, with the mandate to re-architect for the next million customers.

Role Overview

The Chief Technology Officer (CTO) will lead engineering, platform, data, and security for the bank. Reporting to the CEO, the CTO will modernize the core-banking stack, deliver against FCA and PRA operational-resilience expectations, and build an engineering culture of reliability, security, and speed.

Key Responsibilities:

• Own the bank’s technology strategy, architecture, and multi-year modernization roadmap.
• Lead engineering, platform, SRE, data, and cybersecurity organizations.
• Evolve the cloud-native core-banking platform for scale, resilience, and rapid product launch.
• Ensure compliance with FCA and PRA expectations, including operational-resilience and critical-third-party regimes.
• Own security posture, fraud-prevention technology, and customer-data protection.
• Drive AI adoption across customer service, risk decisioning, and engineering productivity.
• Manage technology budget, make-or-buy decisions, and vendor partnerships.
• Partner with product and commercial teams on the feature roadmap and time-to-market.
• Champion engineering excellence, diversity, and continuous learning.

Requirements:

• 15+ years in engineering leadership, including senior roles in digital banking, fintech, or payments.
• Experience running regulated financial platforms at scale, ideally with UK regulatory exposure.
• Deep cloud-native architecture expertise and core-banking modernization experience.
• Strong security, resilience, and data-protection credentials.
• Proven leadership of 150+ person technology organizations.
• Comfortable operating at board level and with regulators.
• Degree in computer science or engineering; advanced degree preferred.

What We Offer:

• Salary of £180,000–£230,000 plus bonus and equity options.
• Private medical, pension, and life assurance.
• Hybrid working from the London office with flexibility.
• 28 days annual leave plus public holidays.
• A defining role in UK digital banking.

If you have built banking platforms that customers trust, apply today and build the next one.