Technical Architect

Credila Financial Services Limited; Bengaluru; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Credila Financial Services Limited in Bengaluru is seeking a seasoned Enterprise Architect to lead the architecture for the Loan Origination System (LOS) and define the technology roadmap across lending verticals.

You will work with business, operations, product and development teams to deliver scalable, secure LOS solutions, ensure governance and code quality, and guide internal and vendor teams in adopting enterprise architecture practices.

Qualifications

• Bachelor’s or Master’s degree in computer science, information technology, or a related field.
• 14–18 years of experience in software architecture and enterprise application development.
• Minimum 10+ years of hands-on experience architecting or managing Loan Origination Systems (LOS) in an NBFC or BFSI setup.
• Strong experience with digital lending platforms, microservices architecture, and workflow engines.
• Expertise in integrating with credit bureaus, KYC platforms.
• Solid understanding of database technologies (RDBMS and NoSQL), caching, and performance tuning.
• Experience in agile delivery, DevOps practices, and distributed system architecture.

Responsibilities

• Lead the architectural design and technology roadmap for the LOS system across all lending verticals.
• Collaborate with cross-functional teams including business, operations, product managers, and development teams to deliver scalable, secure, and high-performing LOS solutions.
• Provide architectural governance, code quality oversight, and best practices for solution development and deployment.
• Translate complex business requirements into technical solutions, ensuring alignment with enterprise architecture standards.
• Ensure system design supports high-availability, fault tolerance, and performance optimization for large-scale lending operations.
• Evaluate, recommend, and implement new tools, technologies, and processes to improve the LOS ecosystem.
• Guide internal and vendor development teams in adopting best-in-class architectural practices.
• Participate in RFP evaluations and vendor selection for LOS systems or associated components.
• Ensure robust data management practices, data privacy compliance, and security frameworks are integrated into system design.

Skills

Software architecture

Enterprise application development

Loan Origination Systems (LOS)

Digital lending platforms

Microservices architecture

DevOps practices

Agile delivery

Education

Bachelor’s / Master’s degree in Computer Science / IT

Tools

RDBMS & NoSQL databases

Caching systems

Job description

Credila Financial Services Limited (Formerlyknown as HDFC Credila Financial Services Limited) is one of India’s largesteducation loan non-banking financial companies (NBFCs) offering educationloans to Indian students. With an in-depth understanding of the highereducation domain in India as well as overseas, Credila offers tailor-madeeducation loan solutions that help enable students to be financially equippedto pursue their education at their dream university and country of study.Since inception, Credila has funded 178,000+ Indian students across 63countries in 4,600 institutes.

Key roles and responsibilities

• Lead the architectural design andtechnology roadmap for the LOS system across all lending verticals.
• Collaborate with cross-functionalteams including business, operations, product managers, and development teamsto deliver scalable, secure, and high-performing LOS solutions.
• Provide architectural governance,code quality oversight, and best practices for solution development anddeployment.
• Translate complex businessrequirements into technical solutions, ensuring alignment with enterprisearchitecture standards.
• Ensure system design supports highavailability, fault tolerance, and performance optimization for large-scalelending operations.
• Evaluate, recommend, and implementnew tools, technologies, and processes to improve the LOS ecosystem.
• Guide internal and vendordevelopment teams in adopting best-in-class architectural practices.
• Participate in RFP evaluations andvendor selection for LOS systems or associated components.
• Ensure robust data managementpractices, data privacy compliance, and security frameworks are integratedinto system design.

Qualifications& Experience

• Bachelor’s/master’sdegree in computer science, Information Technology, or related field.
• 14–18 yearsof experience in software architecture and enterprise applicationdevelopment.
• Minimum 10+years of hands-on experience architecting or managing Loan OriginationSystems (LOS) in an NBFC or BFSI setup.
• Strongexperience with digital lending platforms, microservices architecture, andworkflow engines.
• Expertisein integrating with credit bureaus, KYC platforms
• Solidunderstanding of database technologies (RDBMS and NoSQL), caching, andperformance tuning.
• Experiencein agile delivery, DevOps practices, and distributed system architecture.