Enterprise Architect

Enterprise Architect – Digital Lending & Platform Transformation

Ideal Profile

A senior architect who has owned and transformed the complete lending ecosystem—covering LOS, LMS, decisioning, digital channels, co-lending, embedded finance, collections, and partner integrations—while defining enterprise architecture strategy and technology roadmaps for a bank or large NBFC.

Role Summary

Seeking a seasoned Enterprise Architect to own the architecture strategy, target-state roadmap, and technology governance for a large-scale lending ecosystem. The role will drive architecture across Loan Origination Systems, Loan Management Systems, digital lending channels, partner ecosystems, co-lending platforms, embedded finance, collections, and servicing journeys.

The ideal candidate combines deep lending domain expertise with enterprise-scale architecture leadership, enabling rapid business growth through scalable, API-first, event-driven, and regulator-compliant platforms.

Key Responsibilities

Architecture & Technology

• Proven experience as an Enterprise Architect, Chief Architect, or Principal Architect leading large-scale digital lending platforms.
• Experience with Enterprise Architecture frameworks (TOGAF, Zachman, SABSA or equivalent) and business capability modelling.
• Hands-on experience with cloud-native technology ecosystems across AWS, modern application frameworks (Node.js, React, Python), container platforms, DevSecOps, Infrastructure-as-Code, observability, API management, event-driven architectures, and AI/GenAI platforms.
• Experience architecting multi-product lending ecosystems supporting high transaction volumes, partner networks, embedded finance, co-lending, and digital customer journeys.
• Define and govern enterprise architecture vision, target-state architectures, reference architectures, engineering standards, and technology roadmaps.
• Drive platform modernization, application rationalization, technology standardization, cloud transformation, resilience engineering, and technical debt reduction.
• Lead architecture across lending platforms, integration layers, data platforms, cloud infrastructure, security, AI, and partner ecosystems.
• Establish architecture governance, design authorities, architecture review boards, capability maps, and technology lifecycle management.
• Drive AWS-native architecture strategy covering compute, data, networking, security, observability, resilience, and FinOps practices.
• Lead technology evaluations, build-vs-buy decisions, vendor assessments, and platform selection initiatives.
• Define enterprise security architecture, Zero Trust principles, IAM, data protection, encryption, secrets management, and regulatory compliance controls.
• Design API-first and event-driven architectures leveraging modern integration patterns across real-time, batch, file-based, and partner integrations.
• Partner with business, product, operations, risk, compliance, and technology leadership teams to execute enterprise architecture strategy and transformation programs.
• Leverage AI and GenAI capabilities across underwriting, servicing, collections, fraud management, decisioning, document processing, and employee productivity use cases.
• Define enterprise data architecture encompassing governance, customer data platforms, real-time decisioning, analytics, lakehouse architectures, and AI-ready data foundations.

Required Experience

• Deep expertise in Digital lending ecosystems, Embedded finance
• Loan servicing and collections

Key Competencies

• 15+ Years of Domain Expertise in Banking, NBFC, or Lending Technology.
• Enterprise-wide architecture leadership
• Strategic technology vision and execution
• Strong lending domain depth
• Executive stakeholder management
• Ecosystem and partnership architecture expertise
• Decision-making under ambiguity
• Influence without authority
• Exceptional communication and leadership skills
• Strong understanding of:
  • Lending operations
  • Regulatory and compliance requirements
  • Using AI across platforms
  • Data & Platform Architecture
  • Cloud, Engineering & Modern Architecture

Preferred Qualifications

• B.E./B.Tech (Mandatory)
• MBA, M.Tech or equivalent postgraduate qualification
• TOGAF Certification
• Cloud Architect Certifications (AWS)