Technical Architect

Muthoot FinCorp (MFL); Bengaluru; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Muthoot FinCorp (MFL) in Bengaluru seeks a highly experienced Technical Architect to own architecture governance, design reviews and engineering excellence across the technology stack. You will review HLD/LLD, drive scalable, secure, distributed systems using Java, AWS and microservices, and mentor engineers while solving complex performance challenges in FinTech platforms.

Strong hands-on coding in Java and Python, cloud-native patterns, and deep understanding of JVM performance are essential

Qualifications

• 8-10 years in software engineering and architecture
• Hands-on architectural governance and design reviews
• Experience with FinTech, NBFC or Banking domains is desirable

Responsibilities

• Own and drive day-to-day architecture review processes across engineering teams.
• Review and approve High-Level Design (HLD) and Low-Level Design (LLD) documents.
• Evaluate architecturally significant proposals for scalability, availability, reliability and security.
• Act as technical gatekeeper for architecture decisions and align with enterprise standards.
• Mentor engineers on architecture principles and coding best practices.
• Design and review distributed, cloud-native solutions using Java and AWS.

Skills

Java

AWS

Microservices

Distributed Systems

Python

Job description

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 clear 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.