Solution Architect – Lending & Loan Origination Platforms

Job Title – Solution Architect – Lending & Loan Origination Platforms Company – TCS (MEA) Location – Dubai Job type – Full time About Us: Tata Consultancy Services (TCS) is an IT services, consulting and business solutions organization that has been partnering with many of the world’s largest businesses in their transformation journeys for over 50 years. TCS offers a consulting-led, cognitive powered, integrated portfolio of business, technology and engineering services and solutions. This is delivered through its unique Location Independent Agile™ delivery model, recognized as a benchmark of excellence in software development. A part of the Tata group, India's largest multinational business group, TCS has over 616,171 of the world’s best-trained consultants with 157 nationalities in 53 countries. For more information, visit www.tcs.com and follow TCS news at @TCS_News. Job Description: Solution Architect – Lending Platforms (FinnOne / Finacle / Similar Products) Job Title: Solution Architect – Lending & Loan Origination Platforms Location: Dubai, UAE Experience: 10-15+ Years Domain: Banking & Financial Services Role Purpose The Solution Architect will be responsible for designing, governing, and delivering end-to-end lending solutions across Loan Origination Systems (LOS), Loan Management Systems (LMS), and Core Banking platforms such as FinnOne, Finacle, Temenos Transact (T24), Oracle Banking, FISERV, Newgen LOS, and similar banking products. The role requires strong expertise in retail and corporate lending processes, integration architecture, digital onboarding, credit bureau integrations, and enterprise banking ecosystems. Key Responsibilities 1. Solution Architecture & Design • Define end-to-end architecture for lending transformation programs. • Design scalable, secure, and resilient lending solutions across origination, underwriting, disbursement, servicing, collections, and closure. • Translate business requirements into High-Level Design (HLD) and Low-Level Design (LLD). • Ensure alignment with enterprise architecture standards and banking regulations. Lead architecture for: Retail Loans 2. Lending Domain Expertise • Personal Loans • Auto Loans • Mortgage Loans • SME Lending • Corporate Lending • Islamic Financing Products • • Define customer journeys across onboarding, credit assessment, approval workflows, and loan servicing. • Drive lending product migration and modernization initiatives. 3. Platform & Product Expertise • Hands-on understanding of one or more of: FinnOne • Finacle Loan Management • Temenos Transact (T24) • Oracle Banking Lending • Newgen LOS • FISERV Lending Platforms • OpenText/Third-party Loan Management Systems • Evaluate customization requirements and recommend best-fit architecture. 4. Integration Architecture • Design integrations with: Core Banking Systems • Credit Bureaus (AECB, SIMAH, Experian, Equifax, TransUnion, etc.) • Digital Channels • CRM Platforms • Payment Systems • AML/KYC Solutions • Document Management Systems • BPM/Workflow Platforms • Define API-first and event-driven architecture patterns. • Experience with REST APIs, Microservices, ESB, Kafka, MQ, and API Gateways. 5. Migration & Transformation Programs • Lead migration initiatives from legacy loan systems to modern lending platforms. • Support data migration, reconciliation, and cutover planning. • Define migration strategy, coexistence architecture, and rollback mechanisms. • Conduct impact analysis and risk assessments. • Ensure compliance with: CBUAE guidelines 6. Regulatory & Compliance • Basel regulations • IFRS 9 • AML/KYC requirements • Islamic Banking regulations • Incorporate security, auditability, and governance standards in design. 7. Stakeholder Management • Collaborate with business teams, credit operations, risk teams, product owners, and vendors. • Present architecture solutions to senior management and governance boards. • Mentor development, integration, and testing teams. 8. Delivery Support • Support SIT, UAT, production deployment, and hypercare phases. • Troubleshoot complex lending platform and integration issues. • Ensure successful transition to operations and support teams. Technical Skills Mandatory • Strong experience with FinnOne, Finacle Lending, Temenos T24, Oracle Banking, or similar lending products. • Expertise in Loan Origination and Loan Management Systems. • API & Microservices Architecture. • Integration Architecture (ESB/API Gateway/Kafka). • SQL, Oracle, DB2, or PostgreSQL databases. • Cloud Platforms (Azure, AWS, Hybrid). Preferred • Kubernetes/OpenShift • Camunda/Newgen BPM • Event-Driven Architecture • DevSecOps & CI/CD • Enterprise Integration Patterns Domain Knowledge • Retail Banking • Corporate Banking • Lending Lifecycle Management • Credit Bureau Integrations • Collections & Recovery • Islamic Banking Products • Risk & Compliance Qualifications • Bachelor's Degree in Computer Science, Engineering, or Information Technology. • 10-15+ years of banking technology experience. • Minimum 5 years in Solution Architecture roles. • Experience in large-scale banking transformation or lending modernization programs. Preferred Certifications • TOGAF • Finacle Certification • Temenos Certification • Azure Solution Architect • AWS Solution Architect • PMP / SAFe Agile Application Deadline: 1st-Oct-2026 Privacy Note: • https://www.tcs.com/connect-with-tcs/privacy-policy Show more

Bachelor's Degree in Computer Science, Engineering, or Information Technology. 10-15+ years of banking technology experience. Minimum 5 years in Solution Architecture roles. Experience in large-scale banking transformation or lending modernization programs.

1. Define end-to-end architecture for lending transformation programs. 2. Design scalable, secure, and resilient lending solutions across origination, underwriting, disbursement, servicing, collections, and closure. 3. Translate business requirements into High-Level Design (HLD) and Low-Level Design (LLD). 4. Ensure alignment with enterprise architecture standards and banking regulations. 5. Lead architecture for Retail Loans. 6. Define customer journeys across onboarding, credit assessment, approval workflows, and loan servicing. 7. Drive lending product migration and modernization initiatives. 8. Hands-on understanding of lending platforms (FinnOne, Finacle Lending, Temenos T24, Oracle Banking Lending, Newgen LOS, FISERV Lending Platforms, OpenText/Third-party LOS). 9. Evaluate customization requirements and recommend best-fit architecture. 10. Design integrations with Core Banking Systems, Credit Bureaus, Digital Channels, CRM, Payment Systems, AML/KYC, Document Management, BPM/Workflow Platforms. 11. Define API-first and event-driven architecture patterns (REST, Microservices, ESB, Kafka, MQ, API Gateways). 12. Lead migration initiatives from legacy loan systems; support data migration, reconciliation, and cutover planning. 13. Define migration strategy, coexistence architecture, and rollback mechanisms. 14. Conduct impact analysis and risk assessments. 15. Ensure compliance with CBUAE guidelines. 16. Incorporate security, auditability, and governance standards in design. 17. Collaborate with business teams, credit operations, risk teams, product owners, and vendors. 18. Present architecture solutions to senior management and governance boards. 19. Mentor development, integration, and testing teams. 20. Support SIT, UAT, production deployment, and hypercare phases; troubleshoot complex lending platform and integration issues; ensure successful transition to operations and support teams.