Solution Architect – Lending & Loan Origination Platforms

Job Title – Solution Architect – Lending & Loan Origination PlatformsCompany – TCS (MEA)Location – DubaiJob type – Full timeAbout 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 ServicesRole PurposeThe 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 Responsibilities1. Solution Architecture & DesignDefine 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 Loans2. Lending Domain ExpertisePersonal LoansAuto LoansMortgage LoansSME LendingCorporate LendingIslamic Financing ProductsDefine customer journeys across onboarding, credit assessment, approval workflows, and loan servicing.Drive lending product migration and modernization initiatives.3. Platform & Product ExpertiseHands-on understanding of one or more of: FinnOneFinacle Loan ManagementTemenos Transact (T24)Oracle Banking LendingNewgen LOSFISERV Lending PlatformsOpenText/Third-party Loan Management SystemsEvaluate customization requirements and recommend best-fit architecture.4. Integration ArchitectureDesign integrations with: Core Banking SystemsCredit Bureaus (AECB, SIMAH, Experian, Equifax, TransUnion, etc.)Digital ChannelsCRM PlatformsPayment SystemsAML/KYC SolutionsDocument Management SystemsBPM/Workflow PlatformsDefine API-first and event-driven architecture patterns.Experience with REST APIs, Microservices, ESB, Kafka, MQ, and API Gateways.5. Migration & Transformation ProgramsLead 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 guidelines6. Regulatory & ComplianceBasel regulationsIFRS 9AML/KYC requirementsIslamic Banking regulationsIncorporate security, auditability, and governance standards in design.7. Stakeholder ManagementCollaborate 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 SupportSupport SIT, UAT, production deployment, and hypercare phases.Troubleshoot complex lending platform and integration issues.Ensure successful transition to operations and support teams.Technical SkillsMandatoryStrong 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).PreferredKubernetes/OpenShiftCamunda/Newgen BPMEvent-Driven ArchitectureDevSecOps & CI/CDEnterprise Integration PatternsDomain KnowledgeRetail BankingCorporate BankingLending Lifecycle ManagementCredit Bureau IntegrationsCollections & RecoveryIslamic Banking ProductsRisk & ComplianceQualificationsBachelor'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 CertificationsTOGAFFinacle CertificationTemenos CertificationAzure Solution ArchitectAWS Solution ArchitectPMP / SAFe AgileApplication Deadline: 1st-Oct-2026Privacy Note:https://www.tcs.com/connect-with-tcs/privacy-policy