Solutions Architect

Summary

Join Splash Financial as a seasoned Solutions Architect to lead the design and evolution of our Consumer Lending Platform. This critical role shapes platform capabilities and product features across the loan lifecycle, from acquisition and originations to servicing and operations. Collaborate with engineering, product, compliance, and external partners to build scalable, modular, and reusable systems. Guide long-term architectural strategy, enabling our transition to a modern, service-oriented, and event-driven architecture. This hands-on role requires writing code for prototypes and advising engineering teams. Splash is a remote-first company offering great health insurance, competitive salaries, and unique benefits.

Requirements

• Deep domain expertise in consumer lending, with 8+ years of experience across originations, underwriting, fraud, servicing, and operational workflows
• Proven architecture leadership, with 6+ years designing and scaling distributed systems in multi-product SaaS or platform environments
• Strong systems integration background, including hands-on experience integrating with fintech APIs, bureaus, fraud vendors, and decisioning platforms
• Hands-on engineering experience with 8+ years of coding, especially in languages like Java, Clojure (or similar), and JavaScript/TypeScript
• Proficiency in front-end technologies such as React, Next.js, Redux, and GraphQL, with the ability to guide UI/UX architecture for internal tools and platform-facing experiences
• Expertise in Service-Oriented Architecture (SOA) and Event-Driven Architecture (EDA) patterns, including domain modeling and asynchronous workflows
• Solid understanding of distributed systems, messaging platforms (Kafka, Kinesis), and microservice best practices
• 5+ years of experience building and operating systems on AWS (Lambda, ECS, Aurora, S3, IAM, etc.)
• Proficiency with relational and NoSQL databases, including schema design, data modeling, and performance tuning
• Deep understanding of modern data platforms and the importance of clean, well-modeled data as a foundation for scalable analytics, AI, and machine learning capabilities
• A strong cross-functional mindset, with experience partnering with Product, Security, Compliance, Data, Decision Science, Credit and Operations teams
• A builder’s mindset, with a passion for scaling platforms, creating reusable components, and reducing tech debt through strategic architecture decisions

Responsibilities

• Define and evolve platform capabilities across the full lending lifecycle—pre-qual, post-qual, agent tools, lender tools, servicing, and platform components
• Architect and lead integration with 3rd-party fintechs (bureaus, fraud vendors, underwriting tools, operations systems, etc.)
• Partner with engineering and product leaders to catalog and assess existing systems, identify opportunities for re-architecture, and drive modularization
• Design and implement platform features that are reusable, multi-product ready, and built to scale
• Champion a service-oriented and event-driven architecture, establishing patterns and governance
• Provide technical leadership and write high-quality code for prototypes or critical implementations
• Develop multi-year architectural roadmaps aligned with product growth, scale, and technical resilience
• Influence buy-vs-build decisions, and ensure architectural consistency across cross-functional teams

Benefits

• Fully remote work freedom
• Competitive salary packages
• Flexible PTO + 9 company holidays
• Equity: Share in our start-up success
• Comprehensive and affordable insurance benefits
• Paid parental leave for both caregivers
• Essential equipment to get the job done
• 401(k) for your future savings
• Quarterly meet-ups: In person & virtual fun
• Awesome Splash swag to flaunt your team spirit