{"id":3450583,"url":"https://alion.io/job/techcarrot-solution-architect-financial-services-mobility","title":"Solution Architect (Financial Services & Mobility)","company":{"id":89346,"name":"Techcarrot","domain":"techcarrot.ae","url":"https://alion.io/company/techcarrot","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Zoho Recruit","truth_index":{"grade":"B","score":75,"open_postings":6,"ghost_share":0,"stale_share":1,"repost_share":0,"time_to_fill_p50_days":28,"computed_at":"2026-11-04T06:34:25Z"}},"role":"Solutions","role_family":"Solutions","seniority":"staff","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Dubai, United Arab Emirates"],"countries":["AE"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":40000,"max_usd":95000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":1737},"experience_years_min":12,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"A/B Testing","optional":false},{"name":"Agile","optional":false},{"name":"AI Agents","optional":false},{"name":"Angular","optional":false},{"name":"API Gateway","optional":false},{"name":"Azure","optional":false},{"name":"CI/CD","optional":false},{"name":"GraphQL","optional":false},{"name":"Kubernetes","optional":false},{"name":"PassKit","optional":false},{"name":"PCI DSS","optional":false},{"name":"React Native","optional":false},{"name":"Rest API","optional":false},{"name":"Scrum","optional":false},{"name":"JavaScript","optional":true},{"name":"React.js","optional":true},{"name":"TypeScript","optional":true}],"status":"live","first_seen_at":"2026-10-29T10:47:28Z","employer_posted_date":"2026-10-29","last_verified_at":"2026-11-04T08:16:15Z","board_verified":true,"closed_at":null,"days_open":6,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":6},"description":"The Solution Architect will design and govern technology solutions across its Financial Services and Mobility businesses. The role is split equally between two areas of depth: \nPayments, lending & cards (50%): financial lending (BNPL, consumer and auto loans), credit cards, payment gateways and orchestration, tokenisation and emerging agentic payments.\nDigital architecture (50%): microservices, frontend and Backend-for-Frontend (BFF)architectures for websites, mobile apps, sales and marketing platforms, and their integration with partner tools through SDKs and APIs.\nThe role acts as a trusted advisor and technology lead to business and technology stakeholders, turning business needs into secure, scalable and reusable architectures. It also leads key architecture deliverables: business capability modelling, gap and opportunity assessment, As-Is, Transition and Target architecture views, and prioritized roadmaps.\nPayments, lending & cards architecture (50%) \nLead end-to-end solution architecture for lending and card products (BNPL, consumer and auto loans, credit cards) across origination, decisioning, limits, servicing, collections and settlement.\nDesign payment acceptance and orchestration across in-store and online channels: payment gateways, PSPs, acquirers and orchestration platforms, card-on-file and recurring (merchant-initiated) payments, refunds and chargebacks.\nDefine tokenisation and card-data security patterns (network and PSP tokens, hosted payment pages, 3-D Secure) that keep PCI DSS scope to a minimum.\nDesign card issuing and processing integrations: card management and processor platforms, authorisation, scheme connectivity (Visa, Mastercard) and digital wallets (Apple Pay, Google Pay).\nShape organisation's approach to agentic payments and commerce, where AI agents initiate or approve payments on a customer’s behalf, with delegated authority, consent, tokenised credentials and fraud controls.\nOwn integration of lending and payment platforms with credit bureau, KYC / AML, direct debit and finance systems (GL, settlement and reconciliation).\nDigital, microservices & frontend architecture (50%)\nDefine the target digital architecture for organisation websites, mobile apps, merchant portals and sales channels using microservices, micro-frontends and Backend-for-Frontend (BFF) patterns.\nDesign API-first and event-driven services (REST, GraphQL, webhooks, event streaming) with API gateway management, versioning, security and observability.\nArchitect the integration of sales, CRM, marketing automation, customer engagement and analytics tools (e.g., Salesforce, MoEngage, Google Analytics / Tag Manager) through vendor SDKs and APIs, with consent and data privacy built in.\nSet standards for web and mobile frontends, including headless CMS, performance, accessibility, SEO, A/B testing and personalisation, working with digital engineering teams.\nDefine cloud-native deployment patterns on Azure (containers, Kubernetes, serverless) with DevOps, CI/CD and monitoring built in.\nBusiness architecture & roadmap\nMaintain the Level 1 Business Capability Architecture across Financial Services and Mobility, mapping capabilities to applications, owners and gaps.\nProduce As-Is, Transition and Target architecture views and recommend prioritised roadmaps and initiatives.\nPresent findings and recommendations to senior leadership in a clear, business-focused way.\nDelivery, governance & innovation\nTranslate business requirements and customer journeys into solution designs that engineering and vendor teams can deliver, and guide them through build, test and go-live.\nWork closely with Product, Risk, Compliance, Finance and Operations to close design decisions.\nDrive approval of high-level designs through architecture governance; promote and enforce architectural principles, standards and patterns.\nEnsure security, data protection and regulatory requirements (including PCI DSS and Central Bank of the UAE rules) are built into designs.\nIdentify AI and Gen AI opportunities across payments, lending and customer engagement, and keep current with fintech and digital technology trends.\nRequirements\nKey requirements\nA minimum of 12 years of experience in IT, including at least 5 years in a solution architecture role. \nArchitecture experience in payments, cards or lending: payment gateways and orchestration, card issuing / processing, tokenisation, BNPL or consumer lending.\nArchitecture experience in digital platforms: microservices, frontend and Backend-for-Frontend (BFF) architectures for customer-facing websites and mobile apps.\nHands-on experience integrating third-party platforms through SDKs and APIs, including sales, marketing automation, customer engagement and analytics tools.\nExperience in business architecture: capability modelling and assessment, gap and opportunity identification, As-Is / Transition / Target views and prioritised roadmaps. Strong presentation (Microsoft PowerPoint) and communication skills are mandatory.\nStrong experience with API management, event-driven integration and enterprise middleware.\nStrong exposure to cloud platforms (Azure preferred) and to AI / Gen AI technologies, including awareness of agentic AI and agentic payments.\nPreferred certifications: TOGAF, CBA.\nOther requirements :\nWorking knowledge of card schemes (Visa, Mastercard), PCI DSS, 3-D Secure, digital wallets and UAE payment rails (e.g., UAE Direct Debit System). \nUnderstanding of ERP and finance integration (e.g., settlement, reconciliation and General Ledger).\nUnderstanding of modern frontend technologies (e.g., React / Angular, React Native / Flutter), headless CMS and web performance.\nUnderstanding of security, identity (OAuth 2.0, OpenID Connect) and data privacy principles in a regulated environment.\nExperience working with third-party vendors and platform providers.\nExperience in architecture governance.\nStrong problem-solving and analytical abilities, with a focus on delivering business value.\nExperience in Agile / Scrum environments and familiarity with DevOps and CI/CD practices.\nAbility to work collaboratively in a team-oriented environment.\nBachelor’s degree in Computer Science, Information Technology, Engineering or a related field.\nRelevant certifications such as Microsoft Certified: Azure Solutions Architect Expert or Azure AI Fundamentals are highly valued; payments certifications (e.g., Certified Payments Professional) are a plus.","description_format":"text","description_chars":6441,"description_truncated":false,"requirements":{"experience_years_min":12,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["IT Consulting & Digital Transformation","Custom Software Development","Enterprise Apps Implementation Partners"],"lifecycle":[{"event":"open","at":"2026-10-29T10:47:28Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":5,"expected_fill_days":28,"reasons":["conf:2","velocity","win:early"],"computed_at":"2026-11-04T06:34:25Z"},"pay":null,"html_url":"https://alion.io/job/techcarrot-solution-architect-financial-services-mobility","json_url":"https://alion.io/job/techcarrot-solution-architect-financial-services-mobility.json","meta":{"generated_at":"2026-11-04T12:13:39Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":18375,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-05T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":89346},"rest":"https://alion.io/mcp/rest/get_company?id=89346"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Ftechcarrot-solution-architect-financial-services-mobility"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Ftechcarrot-solution-architect-financial-services-mobility"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Ftechcarrot-solution-architect-financial-services-mobility"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/techcarrot-solution-architect-financial-services-mobility\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Ftechcarrot-solution-architect-financial-services-mobility"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3450583}},{"tool":"search_jobs","arguments":{"company":"techcarrot.ae","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3450583},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); 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