Job Description: Principal Architect – FinTech Lending (Java/AWS/PostgreSQL) Location: Mountain View, CA (Hybrid 3 days work from office) Start: ASAP Role Overview We are seeking a Principal Architect to partner closely with the FinTech organization—specifically the Lending team within a broader group that supports real-time payments, wallets, lending , and related financial capabilities. This person will quickly build deep technical context, evaluate the current platform, and drive a clear modernization and next-steps plan. What You’ll Do Deeply understand the current codebase and implementation for the FinTech Lending domain (services, APIs, data models, integrations, and operational patterns). Build a comprehensive technical view of the system: architecture, dependencies, performance, security, reliability, and scalability. Identify gaps, risks, and improvement opportunities (design, data, cloud, observability, resiliency, cost, compliance). Produce a clear recommendation and execution plan : target architecture, phased roadmap, tradeoffs, and prioritized next steps. Collaborate with engineering, product, and platform stakeholders to align on strategy and guide implementation. Required Skills integration with payment rails Servicing : repayment schedules, statements, amortization, interest calculations, customer support workflows Collections : delinquency handling, reminders, hardship plans, recoveries, charge-offs Compliance
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