IT Solution Architect

Netcredit is a brand present in the Polish market since 2011, specializing in delivering modern financial solutions in the Consumer Finance market in Poland. Since May 2022, in cooperation with Mastercard, they launched the Netcredit virtual credit card with a credit limit. Since November 2024, they provide payment services under a license issued by the Polish Financial Supervision Authority as a National Payment Institution. They cooperate with key trusted partners like Mastercard, Autopay, BIG InfoMonitor S.A, and the Credit Information Bureau (BIK) S.A., and focus on areas such as sales, marketing, customer service, debt collection, product management, risk management, finance, IT, law, and human resources.

• Higher technical education in computer science, software engineering, information systems or related fields. Additional certifications in TOGAF, ArchiMate, or cloud architecture (GCP/Azure) are a plus.
• At least five years' experience in roles like Solution Architect, Software Architect, or Integration Architect with responsibility for end-to-end solutions.
• Experience in modernizing complex ecosystems with in-house/legacy systems and multiple external integrations, maintaining continuity and reducing technical debt progressively.
• Experience in consumer finance, banking, payments, fintech, or scoring and decision systems is a significant advantage.
• Very good knowledge of architectural methodologies, standards, notations, and practices: TOGAF, ArchiMate, C4, UML, BPMN 2.0, ADR, and ISO/IEC/IEEE 42010.
• Very good knowledge of integration patterns and standards: REST, OpenAPI, OAuth 2.0/OIDC, webhooks, messaging/event-driven, AsyncAPI, message broker, and secure CSV/SFTP file integrations.
• Practical knowledge of cloud-native architecture, containerization, and delivery: GCP/Azure, Kubernetes, Docker, CI/CD, GitOps/Argo CD, relational databases, and queuing systems.
• Ability to define and verify non-functional requirements and design solutions resilient to failures, observable, scalable, maintainable with RTO/RPO, and compliant with ISO 22301.
• Knowledge of secure by design and privacy by design principles and standards ISO/IEC 27001, OWASP ASVS, OWASP API Security Top 10. Ability to collaborate with cybersecurity and data protection teams.
• Nice to have knowledge of regulations critical for consumer finance and payment services, notably DORA, GDPR, AML/KYC, consumer credit requirements, PSD2/SCA, PCI DSS, and AI Act for AI/ML scoring systems.
• Ability to clearly present architecture options, trade-offs, risks, costs, and consequences to technical and business stakeholders.
• Good analytical skills, critical thinking, and problem-solving abilities.
• Very good command of English (C1).

• Responsible for end-to-end ICT solutions architecture supporting consumer financial products covering client acquisition, KYC/AML, scoring, financing initiation, contract servicing, repayment, debt collection, and reporting.
• Develop and maintain AS-IS architecture: catalog of systems, integrations, interfaces, data, owners, and dependencies.
• Define TO-BE architecture and modernization roadmap to reduce architectural debt and avoid disruption.
• Design domain boundaries, system responsibilities, reference systems, and data ownership; organize flows between CRM, scoring, databases, data warehouses, and client channels.
• Establish and enforce integration standards: API-first, REST/OpenAPI, OAuth 2.0/OIDC, versioning, idempotency, webhooks, data contracts, AsyncAPI/event-driven.
• Standardize batch integrations and CSV/SFTP transfers with schemas, validation, encryption, checksums, reconciliation, error handling, monitoring, SLA, and auditability.
• Design and verify integrations with external ICT service providers in payments, cards, bank accounts, BIK/BIG/KRD/ERIF, AML and sanctions, SMS/email communication, marketing automation, and VAS.
• Prepare architectural documentation: Solution Architecture Document/HLD, C4/UML/ArchiMate/BPMN models, data flow diagrams, ADR, non-functional requirements, migration, deployment, rollback, and decommissioning plans.
• Ensure solutions meet security, privacy, availability, performance, scalability, data integrity, observability, continuity, RTO/RPO, auditability, and cost requirements.
• Design solutions for cloud-native and hybrid environments including GCP/Azure, Kubernetes, Docker, Argo CD, PostgreSQL, RabbitMQ, Linux, Zabbix, and Graylog.
• Collaborate with Product, Risk, Credit, Operations, Compliance, AML, InfoSec, Data, Development, QA, DevOps/SRE, and vendors to translate business and regulatory needs into technical decisions.
• Participate in discovery, refinement, estimation, and delivery planning; identify dependencies, risks, architectural enablers, and acceptance criteria from concept to production.
• Conduct architectural reviews and lightweight governance, manage standards deviations, evaluate build vs buy, vendors, SLAs, vendor lock-in risks, and exit plans.
• Support incident and problem analysis, post-mortems, and remediation; develop architecture repository, API/integration catalog, patterns, and best practices.