Solution Architect (Financial Services & Mobility)

Techcarrot; Dubai; On-site; AED 300,000 - 600,000; Full time

Job summary

Techcarrot is seeking a Solution Architect to lead architecture across its Financial Services and Mobility platforms. You will own end-to-end designs for lending, BNPL, cards, payments orchestration and security patterns, with deep focus on PCI DSS and cloud-native deployments.

Responsibilities include defining target architectures, roadmaps, and governance, while collaborating with Product, Risk, Compliance, Finance, and Operations to deliver secure, scalable solutions across Azure, APIs, and

Qualifications

• Bachelor’s degree or higher in a relevant field.
• Extensive experience in IT architecture, 12+ years with 5+ years in solution architecture.
• Strong knowledge of payments, cards or lending platforms.

Responsibilities

• Lead end-to-end solution architecture for lending and card products across origination, decisioning, limits, servicing and settlement.
• Design payment acceptance and orchestration across in-store and online channels; manage gateways, PSPs and card-on-file patterns.
• Define tokenisation and card-data security patterns to minimize PCI DSS scope.
• Shape architecture for agentic payments and AI-enabled payments strategies.
• Own integrations of lending and payment platforms with bureau, KYC/AML and finance systems.

Skills

Payments & lending

APIs & integration

Microservices

Frontend & BFF patterns

Cloud & Azure

Architecture governance

Security & PCI DSS

Education

Bachelor’s degree in CS/IT/Engineering

TOGAF / Azure certifications (preferred)

Tools

Azure

PowerPoint

Job description

Dubai, United Arab Emirates | Posted on 10/29/2026

tech carrot is a leading global ITservice provider and partner in digital transformation offering cost-effective,customer-centric, and cutting-edge digital solutions to clients worldwide.

founded in 2016, tech carrot isheadquartered in Dubai, UAE. Being a people-oriented organization with aphilosophy of "We care" as our core DNA, tech carrot continuallyfocuses on new initiatives and strategies to increase overall employeeexperience by providing a plethora of platforms to drive employee development,overall efficiency, increase overall employee satisfaction. With over 200+technology specialists who are engaged and motivated we are growing at 20% a year-on-year since inception.

We offer cutting-edge services across multipleindustries and deliver seamless customer experiences, ensuring high value andrapid growth for our clients. tech carrot has earned wide recognition as areliable partner for organizations across the globe because of its professionalapproach and strong delivery capabilities. The Middle East and Africa arehandled by UAE operations, while APAC is handled by India operations. We havealso expanded in the USA and the Netherlands as well.

Office Location

Dubai

Job Description

The Solution Architect will design and govern technology solutions across its Financial Services and Mobility businesses. The role is split equally between two areas of depth:

Payments, lending & cards (50%): financial lending (BNPL, consumer and auto loans), credit cards, payment gateways and orchestration, tokenisation and emerging agentic payments.

Digital architecture (50%): microservices, frontend and Backend-for-Frontend (BFF)architectures for websites, mobile apps, sales and marketing platforms, and their integration with partner tools through SDKs and APIs.

The role acts as a trusted advisor and technology lead to business and technology stakeholders, turning business needs into secure, scalable and reusable architectures. It also leads key architecture deliverables: business capability modelling, gap and opportunity assessment, As-Is, Transition and Target architecture views, and prioritized roadmaps.

• Lead end-to-end solution architecture for lending and card products (BNPL, consumer and auto loans, credit cards) across origination, decisioning, limits, servicing, collections and settlement.
  
• Design payment acceptance and orchestration across in-store and online channels: payment gateways, PSPs, acquirers and orchestration platforms, card-on-file and recurring (merchant-initiated) payments, refunds and chargebacks.
  
• Define tokenisation and card-data security patterns (network and PSP tokens, hosted payment pages, 3-D Secure) that keep PCI DSS scope to a minimum.
  
• Design card issuing and processing integrations: card management and processor platforms, authorisation, scheme connectivity (Visa, Mastercard) and digital wallets (Apple Pay, Google Pay).
  
• Shape organisation's approach to agentic payments and commerce, where AI agents initiate or approve payments on a customer’s behalf, with delegated authority, consent, tokenised credentials and fraud controls.
  
• Own integration of lending and payment platforms with credit bureau, KYC / AML, direct debit and finance systems (GL, settlement and reconciliation).
  

Digital, microservices & frontend architecture (50%)

• Define the target digital architecture for organisation websites, mobile apps, merchant portals and sales channels using microservices, micro-frontends and Backend-for-Frontend (BFF) patterns.
  
• Design API-first and event-driven services (REST, GraphQL, webhooks, event streaming) with API gateway management, versioning, security and observability.
  
• Architect the integration of sales, CRM, marketing automation, customer engagement and analytics tools (e.g., Salesforce, MoEngage, Google Analytics / Tag Manager) through vendor SDKs and APIs, with consent and data privacy built in.
  
• Set standards for web and mobile frontends, including headless CMS, performance, accessibility, SEO, A/B testing and personalisation, working with digital engineering teams.
  
• Define cloud-native deployment patterns on Azure (containers, Kubernetes, serverless) with DevOps, CI/CD and monitoring built in.
  

Business architecture & roadmap

• Maintain the Level 1 Business Capability Architecture across Financial Services and Mobility, mapping capabilities to applications, owners and gaps.
  
• Produce As-Is, Transition and Target architecture views and recommend prioritised roadmaps and initiatives.
  
• Present findings and recommendations to senior leadership in a clear, business-focused way.
  
• Delivery, governance & innovation
  
• Translate business requirements and customer journeys into solution designs that engineering and vendor teams can deliver, and guide them through build, test and go-live.
  
• Work closely with Product, Risk, Compliance, Finance and Operations to close design decisions.
  
• Drive approval of high-level designs through architecture governance; promote and enforce architectural principles, standards and patterns.
  
• Ensure security, data protection and regulatory requirements (including PCI DSS and Central Bank of the UAE rules) are built into designs.
  
• Identify AI and Gen AI opportunities across payments, lending and customer engagement, and keep current with fintech and digital technology trends.
  

Requirements

Key requirements

• A minimum of 12 years of experience in IT, including at least 5 years in a solution architecture role.
  
• Architecture experience in payments, cards or lending: payment gateways and orchestration, card issuing / processing, tokenisation, BNPL or consumer lending.
  
• Architecture experience in digital platforms: microservices, frontend and Backend-for-Frontend (BFF) architectures for customer-facing websites and mobile apps.
  
• Hands-on experience integrating third-party platforms through SDKs and APIs, including sales, marketing automation, customer engagement and analytics tools.
  
• Experience in business architecture: capability modelling and assessment, gap and opportunity identification, As-Is / Transition / Target views and prioritised roadmaps. Strong presentation (Microsoft PowerPoint) and communication skills are mandatory.
  
• Strong experience with API management, event-driven integration and enterprise middleware.
  
• Strong exposure to cloud platforms (Azure preferred) and to AI / Gen AI technologies, including awareness of agentic AI and agentic payments.
  
• Preferred certifications: TOGAF, CBA.
  

Other requirements :

• Working knowledge of card schemes (Visa, Mastercard), PCI DSS, 3-D Secure, digital wallets and UAE payment rails (e.g., UAE Direct Debit System).
  
• Understanding of ERP and finance integration (e.g., settlement, reconciliation and General Ledger).
  
• Understanding of modern frontend technologies (e.g., React / Angular, React Native / Flutter), headless CMS and web performance.
  
• Understanding of security, identity (OAuth 2.0, OpenID Connect) and data privacy principles in a regulated environment.
  
• Experience working with third-party vendors and platform providers.
  
• Experience in architecture governance.
  
• Strong problem-solving and analytical abilities, with a focus on delivering business value.
  
• Experience in Agile / Scrum environments and familiarity with DevOps and CI/CD practices.
  
• Ability to work collaboratively in a team-oriented environment.
  
• Bachelor’s degree in Computer Science, Information Technology, Engineering or a related field.
  
• Relevant certifications such as Microsoft Certified: Azure Solutions Architect Expert or Azure AI Fundamentals are highly valued; payments certifications (e.g., Certified Payments Professional) are a plus.