Solution Architect- Lending

BDO India; Mumbai; On-site; INR 4,500,000 - 7,500,000; Full time

Job summary

BDO India is seeking a Lead Solution Architect for Mumbai to define and govern end-to-end technology architecture across LOS, LMS, CBS, DMS, and digital channels. You will bridge business, product, security, and delivery teams to build scalable, secure, and compliant solutions for lending and digital banking platforms.

The role leads modernization efforts, Enterprise Architecture standards, and interoperability strategies, ensuring STP and regulatory alignment while guiding cross-functional

Responsibilities

• Define and govern end-to-end application and integration architecture for lending and digital banking platforms.
• Develop target-state architecture for modernization initiatives involving LOS, LMS, CBS, DMS, Middleware, Customer Onboarding Platforms, CRM, and Enterprise Services.
• Own application architecture across lending, onboarding, servicing, collections, and customer lifecycle platforms.
• Prepare solution blueprints, architecture diagrams, technical specifications, sequence flows, deployment architecture, and integration designs.
• Evaluate technology options and recommend architecture patterns aligned with enterprise standards and long-term business objectives.
• Establish eusable architecture frameworks, design standards, and implementation guidelines.
• Drive architecture design for Retail Lending, MSME Lending, Microfinance, JLG, Individual Lending, Business Loans, Housing Loans, and other lending products.
• Define target operating architecture for customer onboarding, underwriting, credit decisioning, sanction, documentation, disbursement, servicing, and collections.
• Lead legacy modernization and migration initiatives from monolithic applications to API-driven, service-oriented architectures.
• Define interoperability strategy between LOS, LMS, CRM, DMS, Collections, Analytics, Reporting, and Enterprise Data Platforms.
• Support digital lending initiatives aligned with customer experience, straight-through processing (STP), and operational efficiency objectives.
• Loan Origination Systems (LOS)
• Loan Management Systems (LMS)
• Retail Banking
• Microfinance Banking
• Digital Lending Ecosystem
• Collections & Recovery Systems

Job description

Role

Solution Architect- Lending/LOS/LMS

Experience

8-15 Years

Location

Mumbai

Role Purpose

The Lead Solution Architect will be responsible for defining, governing, and driving the end-to-end technology architecture for strategic lending and digital transformation initiatives. The role will ensure seamless integration across Loan Origination Systems (LOS), Loan Management Systems (LMS), Digital Channels, Core Banking Systems, Document Management Platforms, Enterprise Services, and third-party ecosystems.

The architect will act as the technology leader bridging Business, Product, Technology, Security, Infrastructure, Vendors, and Delivery Teams to build scalable, secure, resilient, and future-ready solutions aligned with enterprise architecture standards and regulatory requirements.

Roles & Responsibilities

Enterprise Architecture & Solution Design

• Define and govern end-to-end application and integration architecture for lending and digital banking platforms.
• Develop target-state architecture for modernization initiatives involving LOS, LMS, CBS, DMS, Middleware, Customer Onboarding Platforms, CRM, and Enterprise Services.
• Own application architecture across lending, onboarding, servicing, collections, and customer lifecycle platforms.
• Prepare solution blueprints, architecture diagrams, technical specifications, sequence flows, deployment architecture, and integration designs.
• Evaluate technology options and recommend architecture patterns aligned with enterprise standards and long-term business objectives.
• Establish eusable architecture frameworks, design standards, and implementation guidelines.

Lending Domain Transformation

• Drive architecture design for Retail Lending, MSME Lending, Microfinance, JLG, Individual Lending, Business Loans, Housing Loans, and other lending products.
• Define target operating architecture for customer onboarding, underwriting, credit decisioning, sanction, documentation, disbursement, servicing, and collections.
• Lead legacy modernization and migration initiatives from monolithic applications to API-driven, service-oriented architectures.
• Define interoperability strategy between LOS, LMS, CRM, DMS, Collections, Analytics, Reporting, and Enterprise Data Platforms.
• Support digital lending initiatives aligned with customer experience, straight-through processing (STP), and operational efficiency objectives.

Domain Expertise

• Loan Origination Systems (LOS)
• Loan Management Systems (LMS)
• Retail Banking
• Microfinance Banking
• Digital Lending Ecosystem
• Collections & Recovery Systems

About Company

BDO is a global network of professional services firms with a presence in over 166 countries, revenue of over USD 14 billion, and experience of over 60 years. Its a leading service provider for the mid-markets with client service at its heart.

BDO India Services Private Limited (or BDO India) is the India member firm of BDO International. BDO India offers strategic, operational, accounting and tax, and regulatory advisory & assistance for both domestic and international organizations across a range of industries. BDO India is led by more than 300+ Partners & Directors with a team of over 10,000 professionals operating across 14 cities and 20 offices. We expect to grow sizably in the coming 3-5 years, adding various dimensions to our business and multiplying and increasing the current team size multi-fold.