Sr Technical Principal Architect - Loan Servicing

GM Financial; Detroit (MI); Hybrid; USD 170,000 - 210,000; Full time

Benefits offered by this job

401(k) matching

Bonding leave for new parents

Tuition assistance

GM employee auto discount

Training and development

Job summary

GM Financial is transforming auto finance with a strong focus on technology and data. We seek a seasoned enterprise architect to lead cross-functional initiatives, design cloud-native loan servicing platforms, and align technical roadmaps with business goals.

You will mentor teams, drive API-driven integrations, and ensure security and regulatory compliance while collaborating with senior leaders to accelerate innovation and reduce friction.

Qualifications

• 10–15 years in enterprise architecture and software engineering.
• 3–5 years in consumer lending or financial services preferred.
• Strong knowledge of loan servicing systems and cloud platforms.

Responsibilities

• Define high-level capability model of a loan servicing platform and architecture criteria.
• Lead design and implementation of cloud-native architecture with microservices.
• Drive development of a core servicing platform serving accounts, contracts, and financials.
• Ensure regulatory, audit, and security standards are met.
• Develop API-based integration patterns with third-party systems.

Skills

Cross-functional leadership

Cloud architecture

API integration

Agile delivery

Strategic thinking

Education

Bachelor’s Degree

Associate Degree + 2 yrs experience

High School Diploma

Certifications

Tools

Azure

AWS

APIs & Web Services

Middleware

Job description

Why GM Financial Technology?

GM Financial is set to change the auto finance industry and is leading the path with tech modernization. We have a startup mindset, preserve a small company culture, within a public company environment with financial stability and intense growth over a decade. We are data junkies and trust data and insights to advance our business objectives.

Job Description

We take our goal of zero emission, zero collision, zero congestion and zero friction very seriously. We believe as the auto finance market leader we are the driver to lead the GM EV mission to change the world. We are building global platforms in LATAM, Europe, China – our high performing talent needs a high performing leader. GMF has over 10,000 team members worldwide. Join our fin‑tech culture within a Blue‑Chip company where we change the way we use technology to support our customers and business.

Responsibilities

• Define high‑level capability model of a loan servicing platform, including criteria for architecture assessment of a servicing product.
• Help assess and select servicing platform.
• Define and maintain the target‑state architecture for the consumer loan servicing platform, including UI, business services, and core servicing components.
• Lead design and implementation of cloud‑native architecture leveraging modern frameworks and microservices.
• Drive development of a core servicing platform that serves as the system of record for accounts, contracts, and financials.
• Ensure compliance with regulatory, audit, and security standards.
• Develop integration patterns for third‑party systems (payment gateways, CRM, analytics) using APIs and adapter frameworks.
• Promote reusable services and enforce API governance standards.
• Support digital transformation initiatives by introducing automation, self‑service capabilities, and advanced analytics.
• Champion process improvement methodologies (Lean, Six Sigma) to enhance operational efficiency.
• Collaborate with business leaders to align technical strategies with organizational goals.
• Act as a technology ambassador, representing the organization in external forums and maintaining strong industry networks.
• Work with cross‑functional teams (product, engineering, operations) to define and execute the technical roadmap for core platforms.
• Provide technical leadership and mentorship to junior architects and developers, fostering a culture of innovation and continuous improvement.
• Stay current with emerging trends and technologies in consumer loan AI and cloud architecture, evaluating their potential impact on our platforms.
• Ensure all solutions align with the company’s strategic goals and meet customer needs.
• Lead projects and initiatives through technical expertise.
• Be a trusted partner of business senior leaders by providing subject‑matter expertise, guidance, and support for the related business unit.
• Contribute to the business unit’s vision, goals, and strategies, translating vision into solutions while balancing risk, investment needs, and fit for purpose.
• Promote open communication that welcomes sharing of information, seeks input from others, and values diverse viewpoints.
• Nurture a strong internal network by working across the business unit to foster trust, inclusion, engagement, and integrity.
• Drive technical thought leadership as an advocate for new methodologies that enable higher business agility and operational excellence.

Qualifications

• Experience leading cross‑functional and/or global initiatives from start to finish.
• Knowledge and experience with core loan servicing platform.
• Advanced business acumen and deep understanding of business implications of decisions.
• In‑depth understanding of company values, mission, vision, and strategic direction.
• Comprehensive knowledge of GM Financial’s business operations.
• Recognised as an expert across the business unit.
• 10–15 years in enterprise architecture and software engineering, with at least 3–5 years in consumer lending or financial services.
• Strong knowledge of loan servicing systems, cloud platforms (Azure, AWS), and API‑driven integration.
• Proven background in solution architecture and system design of banking and commercial lending platforms; experience with retail and consumer services preferred.
• Proven experience designing and implementing cloud architecture solutions, preferably with AWS and Azure.
• Extensive experience integrating with third‑party systems, including hands‑on experience with APIs, web services, and middleware.
• Strong expertise in building and implementing adapter patterns to facilitate system integration.
• Strong knowledge of highly transactional banking systems, customer analytics, including security and compliance requirements.
• Excellent problem‑solving skills and ability to work in a fast‑paced, dynamic environment, preferably in Agile and Product Management teams.
• Strong communication skills, conveying complex technical concepts to technical and non‑technical stakeholders.

Experience

• 12+ years in a related function required.
• 5–7 years of experience leading and mentoring in the related field required.
• 5–7 years of experience driving thought leadership and innovation across products required.
• High School Diploma or equivalent required.
• Bachelor’s Degree or Associate Degree plus 2 additional years of relevant experience required.
• Relevant certifications and/or licenses required.

What We Offer

Generous benefits package available on day one, including 401(k) matching, bonding leave for new parents (12 weeks, 100 % paid), tuition assistance, training, GM employee auto discount, community service pay, and nine company holidays.

Our Culture

Our team members define and shape our culture. We have an environment that welcomes new ideas, fosters integrity, and creates a sense of community and belonging. Here we do more than work — we thrive.

Compensation

Competitive salary and bonus eligibility; this role is eligible for a company vehicle program.

Work Life Balance

Flexible hybrid work environment; 3‑days a week in office.