Penelope Merced

Chief Technology Officer (CTO) at MidCap Financial

Washington DC-Baltimore Area, United States

About Penelope Merced

Penelope Merced is Chief Technology Officer (CTO) at MidCap Financial. Location: Washington DC-Baltimore Area, United States.

As Chief Technology Officer at MidCap Financial, I lead with a conviction: sustainable transformation happens when you build people, not just platforms. With over 20 years of experience in financial technology leadership, I guide enterprise-wide digital transformation, IT strategy, and AI integration initiatives across our organization. My expertise spans solutions architecture, cloud infrastructure modernization, cybersecurity, data management and AI, and process automation, but my greatest impact comes from developing leaders who drive these outcomes. I believe strong strategy without strong leaders fails in the first crisis. Strong leaders without strategy create energy that stalls. My leadership framework, Entrategy, integrates personal leadership (the “inner game”), strategic thinking, and disciplined execution to create resilient teams and scalable results. At MidCap Financial, I’ve championed AI and automation initiatives that enhance operational efficiency while simultaneously developing the strategic capabilities of my team. I measure success not only by the platforms we deploy or the efficiencies we gain, but by the confident decision-makers, innovative problem-solvers, and strategic leaders who emerge stronger because they were trusted to rise. My approach is built on clarity, trust, and accountability, empowering teams to own complexity, navigate ambiguity, and translate strategic vision into actionable outcomes. Technology becomes obsolete. People become leaders. That’s where I invest.

Skills

  • Communication Training
  • Strategic Initiatives
  • Attention to Detail

Additional experience

  • Director of Information Techology and Cybersecurity

    MidCap Financial

    January 2018 – December 2020

Education

  • Master of Science (M.S.), University of Virginia
  • Wharton - Digital Transformation , University of Pennsylvania