Enterprise Architect Digital Lending & Platform Transformation

Experience: 15 - 20 Years

Location: India

Ideal Profile:

A senior architect who has owned and transformed the complete lending ecosystemcovering 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

- Robust understanding of

- Lending operations

- Regulatory and compliance requirements

- Using AI across platforms
- Data & Platform Architecture
- Cloud, Engineering & Modern Architecture

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