Ricardo Camacho
Fractional Chief Technology Officer at Flixapay Group
Based in United Kingdom
Summary
Independent Technology Executive | Fractional CTO | Board Advisor | Scale-Up & Turnaround Specialist
About
Most technology failures don’t start with bad code.
They start with misalignment — between intent and execution, risk and delivery, architecture and reality.
I’m brought in when that gap is already costing money, time, or credibility.
For over 20 years, I’ve led technology turnarounds and scale efforts in high-stakes, regulated, and complex environments — typically where delivery has stalled, teams are disengaged, or the platform met unexpected growth or scrutiny.
I work with boards, founders, and senior leadership when:
- cloud transformations are collapsing under their own weight
- legacy systems have become opaque and ungovernable
- delivery cadence has slowed despite growing teams
- risk, security, and compliance are blocking progress rather than enabling it
My value is not “more execution”.
It’s restoring clarity, momentum, and trust across both technical and human systems.
I specialise in rapid diagnosis and decisive intervention: simplifying architecture, resetting delivery models, cleaning up governance, and rebuilding teams into focused, accountable units that can ship safely and consistently.
This work has spanned fintech, insurtech, ESG platforms, logistics, and telco — across both scale-ups and global enterprises.
Recent examples include:
- shaping scalable architecture foundations for a fast-moving fintech as Fractional CTO
- leading modernisation and secure delivery initiatives within J.P. Morgan Chase
- supporting a mission-driven scale-up in deploying cloud-first strategy and real-time AI/ML analytics at global scale
I operate comfortably across Microsoft Azure and AWS enterprise ecosystems, secure SDLC design, DevSecOps, infrastructure-as-code, and multi-team delivery leadership — always with a bias toward simplification and long-term operability.
I currently engage in:
- Fractional or strategic CTO roles
- Board-level advisory on technology risk, scale, and delivery
- Turnaround and growth projects where complexity i
Skills
Software Architecture, Cloud & Infrastructure, M&A / Due Diligence, Platform Modernisation, Cybersecurity, Engineering Leadership, Vendor Management, DevOps, Governance & Risk, Data & AI
Regions covered
Industry experience
Not-for-profit, Government, Fintech, Professional Services, Manufacturing, Retail, SaaS, Education, Healthcare
At a glance
Ricardo brings hands-on experience across Software Architecture, Cloud & Infrastructure, M&A / Due Diligence, Platform Modernisation, Cybersecurity, Engineering Leadership and 4 other areas. Available for engagements across Europe, Middle East. Industry experience includes Not-for-profit, Government, Fintech, Professional Services, Manufacturing and 4 more.
How fractional CTO engagements with Ricardo work
Ricardo works on a fractional basis — typically one to three days a week for an agreed engagement length — so you get senior technical leadership without the cost or commitment of a full-time hire. Engagements commonly include technical due diligence, board reporting, engineering team leadership, technology strategy, architecture reviews, hiring support, and stepping in as interim CTO during a transition.