Ritesh Kumar

🚀 CTO | FinTech Systems Architect | Author of “The Architecture of Money – FinTech System’s Architecture Bible” I’m a product-oriented CTO with a founder mindset, focused on building and scaling complex technology platforms from 0→1 and 1→100. Over the past decade, I’ve worked across global technology ecosystems — from Goldman Sachs in New York to high-growth companies across Berlin, Jakarta, and Dubai — building platforms that serve millions of users in highly regulated environments. I recently authored the book “The Architecture of Money” -> https://www.amazon.com/dp/B0DRJKHNG3 , a technical guide that explains the architecture behind modern financial systems — from payment gateways and wallet ledgers to cross-border remittance infrastructure and global settlement systems. The goal of the book is simple: to demystify how money actually moves through modern financial technology. 💼 Leadership & Scale Currently serving as CTO in FinTech, leading engineering for 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 high-availability systems handling millions of transactions. 🌍 Global Experience My experience spans global technology hubs and multiple industries including: FinTech: payments, remittance, wallets, lending E-commerce & Marketplaces: B2B and B2C platforms Logistics & Supply Chain: real-time distribution systems SaaS & AI Products: scaling platforms from MVP to exit I’ve had the opportunity to work with organizations including Goldman Sachs, Delivery Hero, Blibli.com, and multiple high-growth companies across Europe, Southeast Asia, and the Middle East. 🎓 FinTech Architecture Training Based on my book “The Architecture of Money