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
.