Solution Architect

Nivi Capital; Mumbai; On-site; INR 2,000,000 - 3,000,000; Full time

Job summary

A fintech company located in Andheri, Mumbai, is seeking a Solution Architect to design scalable and secure technology solutions for lending products. The ideal candidate will have extensive experience in Banking tech, core banking, and cloud architecture. Responsibilities include developing architectural designs and collaborating with teams to align technology solutions with business objectives. This full-time role requires immediate joiners and offers a 5-day work week in the office.

Qualifications

• 6–10 years of experience in solution architecture or system design.
• Experience in BFSI or core banking for 2-3 years.
• Hands-on experience in cloud environments.

Responsibilities

• Design end-to-end solution architecture for financial platforms.
• Guide teams on architectural best practices and design principles.
• Ensure architectural compliance with regulatory standards.

Skills

Cloud architecture

Microservices

API architecture

BFSI knowledge

Technical leadership

Agile methodologies

Education

Bachelor’s or Master’s Degree in Engineering

TOGAF Certification

Tools

Oracle Cloud Infrastructure

Docker/Kubernetes

Job description

Nivi Capital is dedicated to empowering Indian students to pursue global education by eliminating financial barriers. Focused on students heading to Australia, Nivi Capital offers a comprehensive financial platform that includes education loans, forex services, and a rewards program to make overseas education more accessible and stress‑free. Supported by industry leaders and trusted financial institutions, the company ensures seamless access to secure and flexible financial solutions. Located in Mumbai, Nivi Capital is committed to simplifying the journey towards international education.

Role Description

This is a full‑time on‑site role based in Andheri, Mumbai. We are seeking a Solution Architect who will be responsible for designing scalable, secure, and high‑performance technology solutions for lending products within a fintech environment. The role involves working closely with product, engineering, data, and business teams to conceptualise, architect, and deliver robust systems aligned with business objectives.

The ideal candidate needs to have extensive & strong experience in Banking tech, core banking systems, treasury, CRM, payments, and digital transformation.

Responsibilities

Key Responsibilities will include:

1. Solution & Technical Architecture

• Design end-to-end solution architecture for financial platform covering loans, payments and customer accounts.
• Develop high‑level and low‑level architectural designs ensuring scalability, security, and resilience.
• Define API, microservices architecture, data flows, integration patterns, and system interactions.
• Create architecture roadmaps aligned with product and business strategy.
• Translate complex lending workflows and policies into technical solutions.
• Architect solutions for credit underwriting, risk engines, KYC/AML, verification, disbursement, collections, and loan lifecycle management.
• Build understanding of loan pricing models, repayment structures, and regulatory requirements within the BFSI domain.
• Design and deploy cloud‑native architectures in Oracle Cloud Infrastructure (OCI).
• Recommend cloud services, cost‑efficient architectures, and scalable deployment models.
• Ensure robust security, IAM management, VPC design, containerization, and DevOps alignment.
• Lead cloud migration, modernization, and infrastructure optimisation initiatives.
• Guide engineering teams on architectural best practices, coding standards, and design principles.
• Conduct design reviews, evaluate technical feasibility, and provide architectural sign‑off.
• Evaluate new technologies, frameworks, and tools relevant to lending domain enhancement.

5. Stakeholder Collaboration

• Act as the bridge between business, product, engineering, compliance, and external partners.
• Translate business requirements into technical specifications and solution blueprints.
• Present architectural solutions to leadership, ensuring clarity on trade‑offs and risks.

6. Security, Compliance & Governance

• Ensure architectural compliance with RBI, GDPR, data protection norms, SOC2, ISO 27001 and other regulatory standards. Ensure the platform is compliant with banking regulation.
• Oversee secure design practices including data encryption, API security, and cloud security controls.
• Implement architectural governance frameworks and maintain documentation.

Qualifications

• Bachelor’s or Master’s Degree in Engineering, preferably in Computer Science, or related fields.
• 6–10 years of experience in solution architecture, system design, or technical leadership.
• Should have 2 to 3 years of experience in BFSI or core banking.
• Knowledge of Anti‑Money Laundering and AML/CTF (Counter Terrorism Framework). Real‑time transaction monitoring.
• Skill set in building financial digital platform, ensuring scalability and compliance with financial regulations.
• Strong experience in the lending / BFSI / fintech domain.
• Hands‑on architectural experience in cloud environments, including Oracle Cloud Infrastructure (OCI).
• Proficiency in microservices, API architecture, event‑driven systems, and distributed systems.
• Strong understanding of databases (Oracle), caching, messaging queues, and data modelling.
• TOGAF Certification – Mandatory.
• Experience working with engineering teams in Agile environments.

Desired Skills

• Experience with rules engines, risk engines, and underwriting platforms.
• Should have experience in Design thinking.
• Knowledge of DevOps pipelines, CI/CD, containers (Docker/Kubernetes).
• Exposure to security frameworks, IAM, and cloud governance.
• Experience with third‑party integrations (KYC, bureau APIs, payment gateways, collections platforms).
• Ability to manage ambiguity and make architecture decisions balancing tech + business needs.
• Excellent communication and documentation skills.

This is a full‑time role is based in Andheri, Mumbai with a 5‑day work week (Work from office). We're looking for Immediate Joiners. Please feel free to share your resumeKnight at [e-mail]

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