Solutions Architect

Splash Financial; Poland; Remote; PLN 729,000 - 913,000; Full time

Job summary

A fintech company is seeking a Software Architect to lead the design of their Consumer Lending Platform. This hands-on role involves shaping platform capabilities, leading integrations with third-party fintechs, and guiding architectural strategies. The ideal candidate will have strong expertise in consumer lending and distributed systems. This position is fully remote, offering competitive salaries and unique benefits like equity and flexible PTO.

Benefits

Fully remote work freedom

Competitive salary packages

Flexible PTO + 9 company holidays

Equity in the company

Comprehensive insurance benefits

Paid parental leave

401(k) for savings

Qualifications

• Deep domain expertise in consumer lending.
• Proven architecture leadership in multi-product environments.
• Strong integration background with fintech APIs.

Responsibilities

• Define and evolve platform capabilities across the lending lifecycle.
• Architect and lead integration with 3rd-party fintechs.
• Champion a service-oriented and event-driven architecture.

Skills

Consumer lending expertise

Distributed systems architecture

Fintech API integration

React

Service-Oriented Architecture

AWS experience

Tools

AWS

Kafka

GraphQL

Job description

Overview

The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial. Over the years, our mission has expanded to include helping people with other forms of debt — such as refinancing credit cards, which are at all time highs in the US. We’ve refinanced $6+ Billion in loans through our network of Splash, powered credit union and bank partners, and we’ve raised over $70 million from investors. We remain a small company from Cleveland with a big dream: to empower people to be more powerful than their debt.

ABOUT OUR WORKPLACE

Splash is remote-first, and proud of it. We spend our days simplifying financial products and getting them into the hands of people who need them most. We’re focused on building financial technologies that transform how the industry lends. Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work and we approach challenges with creativity, passion, and urgency.

We offer great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and engagement tools that keep us connected — even from afar. At Splash, our values guide how we work and connect, whether collaborating on big projects or sharing everyday moments. We even have Slack channels for #kids-and-pets and #food — because being human makes us better teammates.

ABOUT THE ROLE

Splash Financial is seeking a seasoned Software Architect to lead the design and evolution of our Consumer Lending Platform. This role shapes platform capabilities and product features across the entire loan lifecycle—from acquisition and originations to servicing and operations.

You’ll collaborate with engineering, product, compliance, and external partners to build scalable, modular, and reusable systems. This includes integrating with decisioning systems, bureaus, fraud providers, and data platforms. You will guide long-term architectural strategy, enabling our transition away from monoliths to a modern, service-oriented and event-driven architecture.

This is a hands-on architecture role where you should be comfortable writing code for prototypes or reference implementations, and advising engineering teams through execution.

WHAT YOU’LL DO AT SPLASH

• Define and evolve platform capabilities across the full lending lifecycle—pre-qual, post-qual, agent tools, lender tools, servicing, and platform components.
• Architect and lead integration with 3rd-party fintechs (bureaus, fraud vendors, underwriting tools, operations systems, etc.).
• Partner with engineering and product leaders to catalog and assess existing systems, identify opportunities for re-architecture, and drive modularization.
• Design and implement platform features that are reusable, multi-product ready, and built to scale.
• Champion a service-oriented and event-driven architecture, establishing patterns and governance.
• Provide technical leadership and write high-quality code for prototypes or critical implementations.
• Develop multi-year architectural roadmaps aligned with product growth, scale, and technical resilience.
• Influence buy-vs-build decisions, and ensure architectural consistency across cross-functional teams.

WHAT YOU’LL BRING TO SPLASH

• Deep domain expertise in consumer lending across originations, underwriting, fraud, servicing, and operational workflows.
• Proven architecture leadership designing and scaling distributed systems in multi-product SaaS or platform environments.
• Strong systems-integration background, including hands-on work with fintech APIs, credit bureaus, fraud vendors, and decisioning platforms.
• Proficiency in front-end technologies—React, Next.js, Redux, and GraphQL—with the ability to guide UI/UX architecture for internal tools and platform-facing experiences.
• Expertise in Service-Oriented and Event-Driven Architecture patterns, including domain modeling and asynchronous workflows.
• Solid understanding of distributed systems, messaging platforms (Kafka, Kinesis), and microservice best practices.
• Strong background building and operating systems on AWS (Lambda, ECS, Aurora, S3, IAM, etc.).
• Proficiency with relational and NoSQL databases, including schema design, data modeling, and performance tuning.
• Deep understanding of modern data platforms and the importance of clean, well-modeled data as the foundation for scalable analytics, AI, and machine-learning capabilities.
• Strong cross-functional mindset, with experience partnering closely with Product, Security, Compliance, Data, Decision Science, Credit, and Operations teams.
• A builder’s mindset with a passion for scaling platforms, creating reusable components, and reducing tech debt through strategic architecture decisions.

Bonus Skills:

• Strong understanding of AI enablement and how to leverage AI/ML to accelerate product and platform capabilities in fintech.
• Familiarity with crypto and blockchain technologies to help envision and enable future lending products and decentralized finance opportunities.

COMPENSATION

The base salary range for this role is $200,000 to $250,000 annually, based on market data and internal compensation practices. This role may also be eligible for a bonus component tied to individual and company performance. Final compensation will be determined by factors such as location, experience, and skill level.

SPLASHERS ENJOY

• Fully remote work freedom
• Competitive salary packages
• Flexible PTO + 9 company holidays
• Equity: Share in our start-up success
• Comprehensive and affordable insurance benefits
• Paid parental leave for both caregivers
• Essential equipment to get the job done
• 401(k) for your future savings
• Quarterly meet-ups: In person & virtual fun
• Awesome Splash swag to flaunt your team spirit

Equal Opportunity Splash Financial is an equal opportunity employer. Employment at Splash is based on merit and does not discriminate on the basis of race, color, religion, sex, gender identity, sexual orientation, age, disability, or any other protected characteristic. We encourage candidates from all backgrounds to apply.