Solutions Architect - Agile Services in Mumbai, India

Company Description Nivi Capital is dedicated to empowering Indian students to pursue global education by eliminating financial barriers. Focused on students heading to Australia, Nivi Capital offers a comprehensive financial platform that includes education loans, forex services, and a rewards program to make overseas education more accessible and stress-free. Supported by industry leaders and trusted financial institutions, the company ensures seamless access to secure and flexible financial solutions. This is a full-time on-site role based in (Andheri) Mumbai. We are seeking a Solution Architect who will be responsible for designing scalable, secure, and high-performance technology solutions for lending products within a fintech environment. The role involves working closely with product, engineering, data, and business teams to conceptualise, architect, and deliver robust systems aligned with business objectives.
The ideal candidate needs to have extensive & strong experience in Banking tech, core banking systems, treasury, CRM, payments, and digital transformation.

Design end-to-end solution architecture for financial platform covering loans, payments and customer accounts.
Define API, microservices architecture, data flows, integration patterns, and system interactions.
Translate complex lending workflows and policies into technical solutions.
Architect solutions for credit underwriting, risk engines, KYC/AML, verification, disbursement, collections, and loan lifecycle management.
Build understanding of loan pricing models, repayment structures, and regulatory requirements within the BFSI domain.

Cloud Architecture
Design and deploy cloud-native architectures in Oracle Cloud Infrastructure (OCI).
Recommend cloud services, cost-efficient architectures, and scalable deployment models.
Ensure robust security, IAM management, VPC design, containerization, and DevOps alignment.
Lead cloud migration, modernization, and infrastructure optimization initiatives.

Guide engineering teams on architectural best practices, coding standards, and design principles.
Present architectural solutions to leadership, ensuring clarity on trade-offs and risks.

Ensure architectural compliance with RBI, GDPR, data protection norms, SOC2, ISO 27001 and other regulatory standards. Oversee secure design practices including data encryption, API security, and cloud security controls.
Bachelor's or Master's Degree in Engineering, preferably in Computer Science, or related fields.

• 6–10 years of experience in solution architecture, system design, or technical leadership.
• Should have 2 to 3 years of experience in BFSI or core banking.
• Real-time transaction monitoring.
• Skill set in building financial digital platform, ensuring scalability and compliance with financial regulations.
• Strong experience in the lending / BFSI / fintech domain.
• Hands-on architectural experience in cloud environments, including Oracle Cloud Infrastructure (OCI).
• Strong understanding of databases (Oracle), caching, messaging queues, and data modelling.
• Experience working with engineering teams in Agile environments.

Experience with rules engines, risk engines, and underwriting platforms.

• Should have experience in Design thinking.
• Knowledge of DevOps pipelines, CI/CD, containers (Docker/Kubernetes).
• Exposure to security frameworks, IAM, and cloud governance.
• Experience with third-party integrations (KYC, bureau APIs, payment gateways, collections platforms).
• This is a full-time role is based in Andheri, Mumbai, with a 5-day work week (Work from office) . We're looking for Immediate Joiners.