Job Description
Technical Architect

Experience:
815 Years Domain: FinTech / Digital Lending / Banking / Financial Services Job Function: Technology – Architecture & Engineering Technical Stack: Java, AWS, Microservices, Distributed Systems Role Overview We are looking for a highly experienced and hands-on Technical Architect with strong expertise in Java, , AWS and distributed system architecture to drive architecture governance, technical design reviews and engineering excellence across our technology organisation. The individual will play a critical role in reviewing and validating High-Level Designs (HLD) and Low-Level Designs (LLD), evaluating architectural decisions, identifying technical risks and ensuring that proposed solutions are scalable, secure, highly available and performance-efficient. The role requires someone with a strong engineering foundation, deep understanding of Data Structures and Algorithms, JVM performance tuning, cloud-native architecture and hands-on coding capabilities. The ideal candidate should have demonstrable experience working as an Architect or in a senior architecture ownership role within a product-based technology organisation, preferably in FinTech, Digital Lending, NBFC or Banking domains. The individual will act as a key technical authority in architecture review forums, independently evaluating design proposals, challenging assumptions and driving technically sound decisions through structured and logical discussions. Roles & Responsibilities 1. Architecture Governance & Design Reviews
- Own and drive day-to-day architecture review processes across engineering teams.
- Review, validate and approve High-Level Design (HLD) and Low-Level Design (LLD) documents.
- Evaluate architectural proposals for scalability, availability, reliability, maintainability and security.
- Act as a technical gatekeeper for architecture decisions, ensuring alignment with enterprise architecture standards and engineering principles.
- Challenge design assumptions, identify architectural gaps and provide technically sound recommendations.
- Facilitate architecture review discussions involving Principal Engineers, Engineering Managers, Tech Leads and other senior stakeholders.
- Ensure architecture decisions are well documented, justified and aligned with long-term technology strategy.
- Identify architectural bottlenecks, technical debt and opportunities for system optimisation. 2. System Design & Distributed Architecture
- Demonstrate deep expertise in designing large-scale, distributed and highly available systems.
- Evaluate complex system designs involving microservices, event-driven architecture and asynchronous processing.
- Assess service boundaries, API contracts, inter-service communication and dependency management.
- Drive architectural decisions around database selection, caching, messaging, data consistency and transaction management.
- Evaluate system resilience through fault tolerance, retry mechanisms, circuit breakers, load balancing and disaster recovery.
- Ensure systems are designed to handle high transaction volumes, concurrent requests and unpredictable workloads.
- Provide guidance on performance, scalability and capacity planning
- . 3. Java Engineering & JVM Performance




- Possess strong hands-on expertise in Java application development and architecture.
- Evaluate Java-based application design, coding standards, design patterns and engineering practices.
- Demonstrate deep understanding of JVM internals, garbage collection, memory management, thread management and concurrency.
- Identify and resolve application performance bottlenecks through profiling, debugging and performance analysis.
- Drive JVM performance tuning, memory optimisation and application throughput improvements.
- Evaluate multithreading, asynchronous programming and concurrency-related design decisions.
- Review code quality and ensure adherence to clean coding principles, SOLID principles and best practices. 4. Data Structures & Algorithms
- Demonstrate strong fundamentals in Data Structures and Algorithms.
- Evaluate algorithmic complexity, time and space efficiency of proposed solutions.
- Review engineering implementations for computational efficiency and optimisation opportunities.
- Guide teams in selecting appropriate data structures and algorithms for complex engineering problems.
- Independently assess technical problem-solving capabilities through coding and design evaluations. 5. AWS & Cloud Architecture
- Strong understanding of AWS cloud architecture and cloud-native application design.
- Evaluate architecture and implementation across AWS services such as:
- Compute: EC2, ECS, EKS, Lambda.
- Storage: S3, EBS.
- Databases: RDS, Aurora, DynamoDB.
- Networking: VPC, ELB, API Gateway.
- Messaging: SQS, SNS, EventBridge, MSK.
- Security: IAM, KMS, Secrets Manager.
- Monitoring: CloudWatch, X-Ray.
- Drive architecture decisions around cloud scalability, cost optimisation, security and high availability.
- Ensure appropriate use of containerisation, orchestration and cloud deployment strategies.
- Evaluate infrastructure resilience, observability, disaster recovery and deployment automation. 6. FinTech & Digital Lending Architecture
- Leverage experience in designing or reviewing technology platforms in FinTech, NBFC, Banking or Digital Lending environments.
- Understand transaction-intensive applications involving loan origination, loan management, disbursements, repayments and collections.
- Evaluate architecture involving payment gateways, banking integrations, credit bureau integrations, KYC services and third-party APIs.
- Ensure robust transaction processing, data consistency, reconciliation and idempotency.
- Understand security, data privacy, auditability and regulatory considerations in financial technology platforms.
- Evaluate system designs for reliability and accuracy in mission-critical financial transactions. 7. Hands-on Engineering & Technical Mentorship
- Remain hands-on with coding and technical problem-solving using Java and Python.
- Develop proof of concepts to validate architectural approaches where required.




- Review critical code changes and provide engineering-level recommendations.
- Mentor senior engineers and technical leads on system design, coding practices and architecture principles.
- Promote engineering excellence, technical innovation and continuous improvement.
- Encourage reusable architectural patterns, engineering standards and technical documentation. Experience & Qualification Requirements
- 8–10 years of overall experience in software engineering and architecture.
- Demonstrable experience working as a Technical Architect, Software Architect, Solution Architect or in an equivalent architecture ownership role.
- Experience in a product-based technology organisation is strongly preferred.
- Prior experience in FinTech, Digital Lending, NBFC, Banking or Financial Services is highly desirable.
- Proven experience reviewing and governing architecture decisions across multiple engineering teams.
- Strong hands-on development experience in Java and Python.
- Proven experience designing scalable, distributed and cloud-native applications.
- Experience in conducting architecture reviews and influencing senior engineering stakeholders.
- A track record of solving complex engineering and performance challenges. Behavioural & Leadership Competencies Technical Depth: Demonstrates exceptional technical knowledge and the ability to evaluate complex architectural decisions independently. Critical Thinking: Challenges assumptions, evaluates alternatives and makes decisions based on technical merit rather than hierarchy or individual preferences. Communication & Articulation: Communicates complex technical concepts clearly, logically and objectively. Can lead technical discussions and manage disagreements among senior engineering stakeholders. Decision-Making: Demonstrates the confidence and judgement to approve, reject or recommend modifications to architecture proposals with explicit technical reasoning. Influencing

Skills:
Can influence Principal Engineers, Engineering Managers and senior technical stakeholders without relying solely on positional authority. Ownership & Accountability: Takes ownership of architecture governance, technical quality and long-term system sustainability. Mentorship: Enables engineering teams to improve their system design, coding and architecture capabilities. Good to Have
- Contributions to open-source projects, developer communities or public technology initiatives.
- Published technical blogs, research papers or engineering articles.
- Experience speaking at technical conferences or developer forums.
- AWS certifications or other relevant cloud architecture certifications.
- Experience designing high-throughput, transaction-intensive FinTech platforms.
- Experience defining enterprise architecture standards and engineering best practices. What Success Looks Like
- Consistent and independent ownership of day-to-day architecture review sessions.
- Improved quality and consistency of HLDs and LLDs across engineering teams.
- Reduced architectural risks, design gaps and avoidable technical debt.
- Faster and more effective architecture decision-making.
- Improved scalability, performance, reliability and security of technology platforms.
- Stronger engineering practices and architectural maturity across teams.

📌 Technical Architect (Bengaluru)
🏢 Muthoot FinCorp (MFL)
📍 Bengaluru