Alfredo Motta

Chief Technology Officer @Creditspring

London, GB

2025 – Scaled to 360k customers, £66M ARR and cash flow positive. Led engineering through increasing system complexity while maintaining governance excellence—passing stringent technology audits from both PwC and Deloitte. Integrated secondary credit agency for enhanced underwriting capabilities and made strategic technology investments (Kafka, advanced machine learning underwriting) to enable next-phase growth. Maintained 100% engineering team retention over 5 years.2023–2024 – Drove growth to 260k customers and £40M ARR, achieving operational break-even. Scaled project management capabilities through strategic hiring and organizational design. Launched innovative credit builder product and integrated secondary service providers for disbursals to improve operational resilience. Further enhanced our systems with open banking underwriting and smarter payment collection.2021–2022 – Scaled to 160k customers and £10M ARR through new subscription lending products, underwriting enhancements, and end-to-end automation of loan origination and servicing. Improved cloud infrastructure and data warehouse capabilities. Grew engineering team to 10 people and developed engineering management capability through hands-on coaching.2019–2020 – Grew to 10k users and £600k ARR by expanding product line and establishing high-quality, agile development practices. Launched and partnered with data function, building foundational machine learning capabilities for underwriting.2017–2018 – Built lending fintech platform from ground up using Ruby and event-driven architecture. Established hybrid team structure with 3 in-house engineers and 4 nearshore developers.

University of Illinois Chicago

Master, Computer Science

Politecnico di Milano

Master, Computer Engineering

Politecnico di Milano

PhD, Software Engineering

Politecnico di Milano

Bachelor, Computer Engineering