Cristian López Fernández

The credit card, reinvented. A Fintech bringing financial wellness to customers.

Leading Tymit’s AI Engineering practice across customer-facing AI products and internal AI tooling. Setting technical direction and staying hands-on in architecture and code for the most critical flows; partnering with Product, Data, Commercial and the exec team on the AI strategy.

• Shipped customer-facing multi-agent systems in the Tymit product, powering self-service and in-app decisioning, with end-to-end evaluation, tracing and regression testing before every production rollout.
• Designing and building a proprietary Agentic Memory manager to tackle one of the hardest problems in production agents: context management across long-running, multi-turn and multi-agent conversations. Coordinates short-term working memory with long-term episodic and semantic memory, and assembles retrieval-augmented context within strict token budgets — keeping agents coherent across sessions without blowing cost or latency.
• Built internal developer-experience agents that automate repetitive work across the SDLC, measurably reducing time-to-market and freeing engineers for higher-leverage work.
• Drove the agentisation of internal operations — replacing manual workflows in Support, Ops and Engineering with agents integrated into existing systems.
• Own the AI technical roadmap end-to-end: foundation-model evaluation and routing, orchestration stack, guardrails, evals and observability, and the AI Engineering hiring plan.

The credit card, reinvented. A Fintech bringing financial wellness to customers.

Owned end-to-end delivery of technical integrations with strategic B2B partners, aligning engineering execution with commercial and product goals.

• Designed secure API and microservices architecture for partner integrations, with a focus on scalability, observability and compliance.
• Led and mentored the integrations engineering team; set delivery processes, technical standards and the review culture.
• Worked cross-functionally with Product, Commercial and external partners to unblock integrations and close partner launches.

Educate, enable and empower everyone to invest.

Led an engineering organisation of 25 engineers across Back-end, Mobile, Web, DevOps and QA, reporting directly to the founding team (CEO and CTO).

• Owned architecture for the trading platform with a focus on high-availability, low-latency and security, aligned with regulatory requirements.
• Scaled the engineering org through hiring, mentoring and training programmes; introduced technical career paths and a structured review process.
• Worked closely with the ExCo team on product positioning and revenue-generating initiatives, translating business needs into technical capabilities.

Banking As A Platform

Built Wio Bank’s lending platform from scratch, leading a team of 10 engineers (Back-end, Front-end, DevOps and QA).

• Defined the MVP scope and platform architecture in close collaboration with stakeholders.
• Hired the team and set engineering processes.
• Managed partner relationships and owned technical conversations with third-party providers.

The credit card, reinvented. A Fintech bringing financial wellness to customers.

Promoted into the Lead role. Managed an engineering team of 15 engineers and owned backend architecture for scalable, reliable and secure systems.

• Partnered with stakeholders and Product on the company roadmap and technical decision-making.
• Kept hands-on contribution on customer-facing features alongside leadership responsibilities.

Employee no. 1

Built the initial product from scratch as a Grails/Groovy monolith to reach an early MVP. After ~1 year, led the migration to a Quarkus/Java microservices architecture to support company scale and clearer domain boundaries.

Contributed to business decisions alongside stakeholders, shipped core customer-facing capabilities end-to-end, and owned technical onboarding as the team grew.

Key customer features shipped at Tymit:

• Wallets integration (Apple Pay & Google Pay)
• Open Banking: Payment Initiation Services (PIS) & Account Information Services (AIS)
• Direct Debit
• Real-time authorisations / transactions / payments, 3D Secure
• KYC

“A man's college and university degrees mean nothing to me until I see what he is able to do with them.” - Henry Ford

Associate Lecturer in the Department of Computing Science, Computer Architecture, Programming Languages and Systems and Statistics and Operative Investigation.

Taught the following subjects:

• High Performance Computing
• Distributed Systems
• Mobile Application Development

A wholly owned subsidiary of the Spanish Santander Group

R&D department — several innovation projects:

• Implemented a Blockchain solution for an internal project.
• Led the OCR project for identity document verification.

Information Technology & Services

IT consulting firm — delivered projects for BBVA, Orange, Telefónica, Sanitas and HM Hospitales, among others.

Mostly as individual contributor; also led teams of 5-6 engineers using agile methodologies, supporting on technical design and reviews.

Global Telecommunications Operator

• Developed Android & iOS applications.
• Built an audio-visual streaming project.

Master’s Thesis: SmartARGlass - Augmented Reality on smart devices

End-of-Degree project: RPiDomotic - Domotic system using Raspberry Pi