Loans Architect

Job Title: Loans/Lending Architect - Knutsford

About the Job you are considering:
We are seeking an experienced Loans Solution Architect to lead end to end solution design across Retail Business Banking lending platforms The role requires deep expertise in Loans origination servicing and collections systems strong understanding of banking domain architecture and proven experience delivering large scale transformation within regulated financial environments.

Hybrid working:
The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of Company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.

Job Role:

• Define the target‑state architecture for loan platforms across origination, underwriting, disbursement, servicing, payments, interest and fees, collections, and recoveries.
• Lead solution design across multiple change initiatives ensuring alignment with enterprise architecture, regulatory requirements, and business strategy.
• Own technical design artefacts including interface specifications, integration models, and data flows across upstream and downstream systems.
• Collaborate with Product Owners, Business Analysts, Engineering, and Operations teams to translate business requirements into scalable technical solutions.
• Ensure solutions adhere to’ security, compliance, and risk frameworks including data privacy, auditability, resilience, and disaster recovery.
• Drive architectural decisions for legacy system modernisation, platform migration, and simplification of loan‑processing systems.
• Provide governance through design reviews, architectural sign‑offs, and technical guidance to delivery teams.
• Champion best practices in performance, reliability, scalability, and maintainability of loan‑related applications.

Job Skills:

• Bring 10–15 years of experience in Banking/Financial Services with at least 5 years as a Solution Architect.
• Possess strong domain knowledge across secured and unsecured lending including personal loans, business loans/SME lending, overdrafts, and optionally mortgages.
• Demonstrate hands‑on design expertise in loan lifecycle management systems covering origination to closure.
• Experience working with package‑based loan platforms such as Finacle Loans, Temenos T24 Loans, Fiserv Loan IQ, ACBS, Mambu, nCino, etc.
• Strong understanding of event‑driven systems, workflow engines, batch and real‑time processing.
• Solid knowledge of lending data models covering customer, risk, pricing, and regulatory reporting (PRA, FCA, IFRS9).
• Ability to work effectively in complex multi‑vendor, multi‑geography environments.
• Strong communication skills to engage senior business and technology stakeholders.
• Nice to have: Knowledge of credit‑risk systems and decisioning engines (e.g., FICO) and scoring models.
• Nice to have: Understanding of payments integration and ledger‑posting frameworks.
• Nice to have: Exposure to systems, tooling, and governance processes.
  
  

We are a Disability Confident Employer:

Capgemini is proud to be a Disability Confident Employer (Level 2) under the UK Government’s Disability Confident scheme. As part of our commitment to inclusive recruitment, we will offer an interview to all candidates who:

• Declare they have a disability, and 
• Meet the minimum essential criteria for the role.

Please opt in during the application process.

Make It Real (what does it mean for you):

• You’d be joining an accredited Great Place to work for Wellbeing in 2024. Employee wellbeing is vitally important to us as an organisation.  We see a healthy and happy workforce a critical component for us to achieve our organisational ambitions. 
  To help support wellbeing we have trained ‘Mental Health Champions’ across each of our business areas, and we have invested in wellbeing apps such as Thrive and Peppy.
• You will be empowered to explore, innovate, and progress. You will benefit from Capgemini’s ‘learning for life’ mindset, meaning you will have countless training and development opportunities from thinktanks to hackathons, and access to 250,000 courses with numerous external certifications from AWS, Microsoft, Harvard Manage Mentor, Cybersecurity qualifications and much more.
• You will be joining one of the World’s Most Ethical Companies®, as recognised by Ethisphere® for 13 consecutive years. We live our values by making ethical business choices every day. Working ethically is at the centre of our culture at Capgemini, meaning you will be helping to create a future we can all be proud of.
  
  

Why you should consider Capgemini:

Growing clients’ businesses while building a more sustainable, more inclusive future is a tough ask.  When you join Capgemini, you’ll join a thriving company and become part of a collective of free-thinkers, entrepreneurs and industry experts.  We find new ways technology can help us reimagine what’s possible.  It’s why, together, we seek out opportunities that will transform the world’s leading businesses, and it’s how you’ll gain the experiences and connections you need to shape your future.  By learning from each other every day, sharing knowledge, and always pushing yourself to do better, you’ll build the skills you want. You’ll use your skills to help our clients leverage technology to innovate and grow their business. So, it might not always be easy, but making the world a better place rarely is.

About Capgemini:

Capgemini is an AI-powered global business and technology transformation partner, delivering tangible business value. We imagine the future of organisations and make it real with AI, technology and people. With our strong heritage of nearly 60 years, we are a responsible and diverse group of 420,000 team members in more than 50 countries. We deliver end-to-end services and solutions with our deep industry expertise and strong partner ecosystem, leveraging our capabilities across strategy, technology, design, engineering and business operations. The Group reported 2024 global revenues of €22.1 billion.
Make it real | www.capgemini.com.