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 ****
Can be cleanly unwound in an insolvency scenario
If this sounds closer to
capital markets infrastructure
than "startup SaaS", that's intentional.
Core responsibilities
Design the
canonical loan & receivables register
(single source of truth)
Design the
allocation / reassignment engine
(primary + exit flows)
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
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
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
loan servicing platforms
trading or clearing systems
Deep understanding of:
transactional integrity
audit trails
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
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 must be
correct
, not just clever
This is a role for someone who enjoys
precision, responsibility, and depth
.
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