Ritesh Kumar

CEO

Dubai, Dubai, United Arab Emirates12 yrs experience

Key Highlights

  • Product-first CTO with successful SaaS and AI exits
  • Built engineering teams of 100+ professionals
  • Expert in scaling technology from 0 to 100
Stackforce AI infers this person is a Fintech and SaaS technology leader with extensive experience in scaling and innovation.

Contact

Skills

Core Skills

Technical VisionExecutive LeadershipBusiness StrategyTechnical ArchitectureEmerging TechnologiesWeb Technologies

Other Skills

BudgetingVendor RelationsBusiness PlanningOpen InnovationResearch SkillsInnovation DevelopmentDigital TransformationDigital InnovationDigital ArchitectureBuilding TechnologiesSmart ContractsLong-term VisionResource AllocationResearch and Development (R&D)Tech-Savvy

About

🚀 Product-Oriented CTO | Founder-CTO Mindset | Scaling Tech from 0→1 and 1→100 I’m a product-first CTO who has built, scaled, and successfully sold SaaS and AI products. Having operated both as a founder and as an engineering leader, I understand the real pressures behind building businesses — speed vs stability, burn vs scale, and vision vs execution. With 13+ years of experience across global tech hubs, I help companies turn complex ideas into scalable, resilient platforms while aligning technology with growth, unit economics, and long-term value creation. 💼 Leadership & Scale Currently serving as a CTO in FinTech, leading remittance, payments, and digital wallet platforms across the Middle East and emerging markets. I’ve built and scaled engineering organizations of 100+ professionals across backend, frontend, mobile, DevOps, data, and AI — delivering systems that handle millions of users and transactions in regulated, high-availability environments. 🌍 Global Experience & Industry Depth My journey spans Goldman Sachs (New York), Delivery Hero (Berlin), Blibli.com (Jakarta), and multiple growth-stage companies in Dubai. I’ve architected and operated platforms across: FinTech: payments, lending, remittance, wallets E-commerce & Marketplaces: B2B and B2C platforms at scale Logistics & Supply Chain: real-time distribution systems SaaS & AI Products: from MVP to scale to successful exits 🧠 How I Think About Technology I focus on decisions, not buzzwords. My strength lies in making the right technical bets at the right time — balancing speed, scale, cost, regulatory constraints, and organizational maturity. I’m hands-on when needed, but my highest leverage is architecture, trade-offs, and execution clarity. 🎯 What I Bring Strategic CTO leadership aligned with product and business outcomes Founder-level empathy with strong delivery discipline Architecture and platform strategy built for growth, not hype Building, mentoring, and scaling high-performing engineering teams Ownership of budgets, delivery predictability, and cost-to-serve Operational rigor through OKRs, KPIs, and accountability 📌 How I Engage Full-time CTO / VP Engineering roles Fractional or interim CTO for growth-stage companies Architecture, platform, and org design reviews Founder and leadership advisory during scale or transition phases If you’re building a product-led company, navigating scale, or need a CTO who understands both founder reality and enterprise execution — let’s connect.

Experience

Urbanrise real estate llc

Founder and CTO

Jan 2025Present · 1 yr 3 mos · Dubai, United Arab Emirates · On-site

  • Description:
  • Urbanrise is a boutique real estate consulting firm where we merge deep domain expertise with a proprietary AI-powered business intelligence engine. I, along with my cofounders, founded Urbanrise to bridge the data gap in real estate investment, providing institutional-grade analytics to developers, investors, and funds.
  • Key responsibilities & achievements:
  • Designed and developed our proprietary AI/ML engine for real-time market analysis, predictive valuation, and portfolio optimization.
  • Lead client engagements, offering strategic advisory on acquisitions, feasibility studies, and investment due diligence powered by data-driven insights.
  • Serve as a fractional CTO for real estate firms, modernizing their data infrastructure, BI capabilities, and digital transformation roadmaps.
  • Transform complex market data into actionable intelligence, enabling clients to identify opportunities, mitigate risks, and maximize ROI.
BudgetingTechnical VisionVendor RelationsEmerging TechnologiesBusiness PlanningKey Performance Indicators+2

Jingle pay

Chief Technology Officer

Oct 2024Dec 2025 · 1 yr 2 mos · Dubai, United Arab Emirates · On-site

  • Heading the technology department for payment, remittance, B2B, and remittance as a service verticals.
  • Built and scaled B2B payment services to generate a monthly profit of 2 million USD
Emerging TechnologiesDigital TransformationBuilding TechnologiesSmart ContractsCustomer InsightTechnical Architecture+2

Stealth startup

Founder and Chief Technology Officer

Jan 2024Present · 2 yrs 3 mos · Dubai, United Arab Emirates

  • Building a technology venture in stealth mode — shaping the future at the intersection of AI, PropTech, and EduTech.
  • Our focus lies in designing intelligent systems that transform how people live, learn, and make decisions — powered by data, automation, and human-centered design.
  • Currently leading product vision, technical strategy, and early-stage innovation efforts to build scalable, impact-driven platforms.
  • The mission: use technology not just to disrupt, but to meaningfully improve real-world ecosystems.
Executive LeadershipBudgetingTechnical VisionVendor RelationsEmerging TechnologiesBusiness Planning+31

Redington middle east and africa

Head of Engineering

Mar 2023Sep 2024 · 1 yr 6 mos · Dubai, United Arab Emirates · On-site

  • Heading the engineering department for B2B, B2B2C digital distribution transformation
Executive LeadershipBudgetingTechnical VisionE-CommerceVendor RelationsEmerging Technologies+32

Capiter

Chief Technology Officer

Jun 2022Mar 2023 · 9 mos · Dubai, United Arab Emirates

  • Responsibilities:
  • Strategic Leadership: Mentor the engineering team, fostering innovation and excellence.
  • Cross-Functional Collaboration: Collaborate with executives to align technology with goals.
  • Strategic Planning: Set goals and OKRs, aligning the department with company objectives.
  • M&A Expertise: Lead due diligence for expansion opportunities.
  • Architectural Excellence: Guide architecture design, enhancing solutions and reviews.
  • Financial Stewardship: Manage budgeting, cost control, and planning for efficiency.
  • Operational Excellence: Establish engineering standards, policies, processes, and procedures.
  • Talent Development: Conduct performance reviews and create growth plans for team members.
  • Technology Vision: Collaborate with the CEO to strategize the technology roadmap for alignment.
  • Hands-On Mentorship: Provide hands-on guidance and support to nurture technical capabilities in engineers.
  • Achievements:
  • Architectural Transformation: Successfully revamped the e-commerce platform's architecture and workflows, enhancing performance and scalability.
  • Organizational Enhancement: Reorganized the tech organization and executed strategic hiring initiatives, ensuring the right talent in key positions.
  • Innovative Business Model: Launched the Distribution As A Service Business model, expanding revenue streams and market reach.
  • Mobile Innovation: Introduced an iOS app for the merchant marketplace, enhancing accessibility and user experience.
  • Fintech Advancements: Launched Buy Now, Pay Later (BNPL) and Payments solutions for the Fintech vertical, driving financial innovation.
  • Merchant Empowerment: Revamped the merchant app for improved performance and user experience, bolstering merchant engagement.
  • Seller Management: Launched the Seller portal, streamlining seller management and onboarding processes for greater efficiency.
Executive LeadershipBudgetingTechnical VisionE-CommerceVendor RelationsEmerging Technologies+33

Techrise

Founder and CTO

Jan 2022Present · 4 yrs 3 mos · Dubai, United Arab Emirates(Remote/global) · On-site

  • Description:
  • Techrise is a full-cycle product development studio and innovation lab. We partner with governments, enterprises, and startups to translate ideas into scalable, market-ready products while also building and launching our own in-house SaaS tools.
  • Key responsibilities & achievements:
  • Act as a fractional CTO and technical co-founder for early to growth-stage startups, overseeing architecture, team building, and product strategy.
  • Lead end-to-end product development for clients: from technical feasibility and MVP builds to scaling and deployment.
  • Provide technical due diligence for venture capital firms and angel investors during funding rounds.
  • Spearhead in-house product initiatives, identifying market gaps and building niche B2B/B2G SaaS solutions.
  • Facilitate workshops and strategy sessions for government and enterprise digital innovation projects.
Business StrategyIT StrategyExecutive LeadershipBudgetingTechnical VisionVendor Relations+33

Delivery hero

Director Software Engineering

Jan 2021Jun 2022 · 1 yr 5 mos · Berlin, Germany

  • Responsibilities:
  • Squad Leadership: Managed and mentored four cross-functional squads, each consisting of 8 individual contributors (ICs), and one Engineering Manager, overseeing a total of 36 engineers.
  • Strategic Alignment: Defined yearly OKRs/KPIs, aligning them with the company's mission and vision, ensuring a clear focus on organizational objectives.
  • Roadmap Development: Crafted and executed yearly/quarterly product and technology roadmaps, driving innovation and aligning with company objectives.
  • Mentorship & Growth: Conducted regular 1:1 sessions with Engineering Managers to nurture career growth and provided mentoring to foster personal and professional development.
  • Leadership Impact: Organized skip-level meetings to provide guidance and support to indirect reports, strengthening leadership capabilities within the organization.
  • Talent Development: Developed and recruited highly skilled technology members, ensuring that teams were well-equipped with top-tier talent.
  • Scaling Excellence: Led architecture review and development efforts, focusing on scaling up existing and future systems within and across tribes, enhancing efficiency.
  • Stakeholder Collaboration: Cultivated and enhanced relationships with engineers, managers, and all relevant business stakeholders across multiple teams.
  • Financial Acumen: Oversaw budget forecasting and planning, ensuring resource optimization and financial accountability.
  • Performance Excellence: Conducted comprehensive 360° performance reviews, facilitating continuous improvement and excellence.
  • Achievements:
  • Collaborative Restructuring: Successfully restructured teams and tribes around domain focus, enhancing collaboration and alignment.
  • Strategic Execution: Achieved all set OKRs for the year, demonstrating a track record of strategic execution and accomplishment.
Executive LeadershipBudgetingTechnical VisionE-CommerceEmerging TechnologiesBusiness Planning+32

Blibli.com

2 roles

Director of Engineering

Jan 2019Jan 2021 · 2 yrs

  • Responsibilities:
  • Versatile Leadership: Wore multiple hats including Architect, Director, and Tribe Lead, orchestrating strategic initiatives and fostering innovation across the organization.
  • Cross-Continental Leadership: Managed and mentored a cross-continental logistics tribe through regular 1:1 sessions.
  • Strategic Talent Management: Led hiring efforts and nurtured team growth in alignment with yearly budget forecasts, ensuring optimal resource allocation.
  • Cloud Migration: Spearheaded the migration of existing systems from Data Centers to Google Cloud Platform, enhancing scalability and resource efficiency.
  • Dockerization Strategy: Developed a strategic plan for Dockerization of existing systems, simplifying the migration process to GCP.
  • Operational Enhancement: Identified limitations within existing systems and associated processes, procedures, and methods, introducing innovative solutions.
  • Performance Optimization: Conducted stress testing, fault tolerance testing, and successfully scaled up systems by 10x, ensuring performance excellence.
  • Product Roadmap Alignment: Worked in tandem with the Director of Product and Business leaders to shape the yearly/quarterly product roadmap, aligning technology with business objectives.
  • Stakeholder Engagement: Managed and nurtured relationships with stakeholders across the organization.
  • Architectural Excellence: Provided insights and guidance through pull request and architecture reviews, ensuring the highest standards of quality and efficiency.
  • Achievements:
  • Logistics Transformation: Launched Logistics As A Service from scratch within a remarkable three years, encompassing 12+ backend services, 4 mobile apps, and 3 web apps, revolutionizing logistics operations.
  • Crowdsourcing Innovation: Proposed and launched crowdsourcing for couriers, relieving pressure on in-house couriers during promotional sales events.
  • Fintech Advancements: Successfully launched the Blipay Wallet, enhancing the financial offerings of the platform.
Executive LeadershipBudgetingTechnical VisionE-CommerceEmerging TechnologiesBusiness Planning+32

Technical Lead

Jun 2016Dec 2018 · 2 yrs 6 mos

  • Responsibilities:
  • Led Seamless Collaboration: Orchestrated a seamless collaboration with the Architect from tech design to execution, ensuring precision and alignment at every step.
  • Mentored Emerging Talent: Championed the growth of junior team members, fostering a culture of excellence through mentorship during the development phase, resulting in a 25% improvement in their productivity.
  • Scrum Methodology Expert: Spearheaded sprint planning and backlog grooming sessions, delivering accurate estimations and meticulous story planning using Scrum methodology.
  • Microservices Advancement: Engineered the expansion of existing systems through microservices architecture, achieving a 30% increase in scalability and a 20% boost in system efficiency.
  • Innovative Microservices: Conceptualized, designed, and executed groundbreaking microservices, solving complex business challenges and delivering demonstrable Proof of Concepts (POCs).
  • Business-Technology Alignment: Captivated business users with compelling application demonstrations, forging a profound connection between technology and business goals, resulting in a 15% increase in UX.
  • Code Quality Steward: Steered development, testing, design reviews, and PR evaluations.
  • Cross-Functional Collaboration: Collaborated seamlessly with business analysts, development teams, and infrastructure specialists, delivering high-availability solutions for mission-critical applications.
  • Operational Excellence: Elevated system performance through proactive adjustments and bug resolution, driving remarkable operational enhancements, resulting in a 20% reduction in system downtime.
  • Achievements:
  • Microservices Pioneering: Engineered and launched four groundbreaking microservices, fortifying our ecosystem and delivering indispensable support.
  • Legacy Transformation: Spearheaded the seamless transition from a legacy system to our cutting-edge solution, revolutionizing efficiency and transforming our Transportation Management System (TMS).
Executive LeadershipBudgetingTechnical VisionE-CommerceEmerging TechnologiesBusiness Planning+26

Goldman sachs

Analyst

May 2015May 2016 · 1 yr · New York, United States · Hybrid

  • Responsibilities:
  • Global Team Coordination: Managed and coordinated teams across New York, Hong Kong, and India, ensuring seamless collaboration and alignment.
  • System Analysis: Conducted a comprehensive analysis of the existing system, meticulously documenting all connecting flows between subsystems.
  • Efficiency Enhancement: Identified redundant calculation flows and championed the consolidation of calculations into a single entity, adhering to the Single Responsibility Principle.
  • Process Redesign: Redesigned and implemented flows post-identifying redundancies, collaborating closely with the VP for the project.
  • Testing & Deployment: Spearheaded rigorous testing, integration, and successful deployment to production after completing the entire refactoring process.
  • Production Support: Undertook weekly support-rota for trading systems, resolving production issues before traders began their day, ensuring uninterrupted operations.
  • Achievements:
  • Streamlined Systems: Streamlined a minimum of 9 redundant/legacy systems, significantly enhancing system speed and reliability.
  • Cost Optimization: Reduced maintenance costs by an impressive 30%, previously allocated to address issues stemming from redundant systems.
  • My experience at Goldman Sachs was marked by a commitment to efficiency, collaboration, and continuous improvement in the financial industry.
Web TechnologiesLong-term VisionTech-SavvyTechnical ArchitectureContinuous Integration and Continuous Delivery (CI/CD)Architecture

Unisys

Associate Software Engineer

Jul 2013Mar 2015 · 1 yr 8 mos · bangalore

  • Responsibilities:
  • UI Development: Contributed to the development of controllers, EAO (Entity Access Objects), and Entities for User Interface (UI) in alignment with Change Requests (CR) and Use Cases.
  • Unit Testing: Created and executed comprehensive unit test cases using JUnit, ensuring code quality and reliability.
  • Database Expertise: Proficiently wrote SQL queries for debugging and data retrieval, enhancing code accuracy.
  • Test Automation: Analyzed the test suite for the project, identifying common functionalities suitable for automation.
  • Framework Development: Pioneered the development of a comprehensive test automation framework using Selenium, streamlining testing processes.
  • Achievements:
  • Agile Automation: In a remarkable feat, developed the entire test automation framework for the team using Selenium within a timeline of just 3 months, elevating testing efficiency and accuracy.
  • My tenure at Unisys was marked by a dedication to software development excellence and innovation.
Web TechnologiesContinuous Integration and Continuous Delivery (CI/CD)

Education

kv asc bangalore

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