Solution Architect - Credit Decisioning & Collections - RiskTech

Solution Architect - Credit Decisioning & Collections (RiskTech)

Position Overview:

We are seeking a highly skilled and strategic Solution Architect to join our critical Credit Decisioning & Collections Tech Area, which operates within the Risk, Legal & Audit Domain.

This role is essential for supporting Australia Retail & Commercial Lending and Retail Risk functions by driving innovative technology solutions that meet strict regulatory requirements and core business objectives.

Role Title - Solution Architect

Experience :8-12 Years

Location : Bangalore

Domain Focus - Credit Decisioning, Collections, Origination, RiskTech

Key Responsibilities & Architectural Deliverables:

- Solution Design & Strategy: Design and architect scalable, secure, and sustainable enterprise-level solutions for core banking processes within the credit decisioning and collections lifecycle.

- Technical Governance: Provide deep technical expertise and architectural guidance to multiple cross-functional Agile squads, ensuring alignment with enterprise architecture standards and roadmaps.

- Compliance & Alignment: Rigorously evaluate solution designs to ensure they meet critical regulatory, security, and business compliance goals, particularly in the context of Australian lending standards.

- Stakeholder Partnership: Collaborate closely with Risk, Business, and Technology stakeholders to translate complex requirements into architectural blueprints, ensuring efficient and high-quality solution delivery.

- Risk Mitigation: Proactively identify technical risks within the solution design and propose mitigation strategies that ensure long-term stability and maintainability.

Core Skills & Competencies:

- Domain Expertise (Mandatory): Proven experience in Solution Architecture within critical Financial Services domains such as Credit Origination, Collections, Loan Portfolio Management, or broader Retail Risk systems.

- Technical Acumen: Strategic mindset coupled with strong hands-on technical capability in defining solution patterns, integration strategies, and technology roadmaps.

- Problem-Solving: Excellent analytical, problem-solving, and presentation abilities necessary to articulate complex technical concepts to non-technical leaders.

- Management: Strong project management, time management, and ability to thrive in a dynamic, high-pressure environment