Business Solution Architect – Consumer Banking & Lending (BFSI)

Fujitsu is a leading information and communication technology (ICT) company, headquartered in Japan, offering a full range of technology products, solutions, and services. Approximately 132,000 Fujitsu people support customers in more than one hundred countries. We use our experience and the power of technology to shape the future of society with our customers.
We are a corporate culture that places immense value on the pursuit of new, previously unimagined possibilities—and bringing them to fruition has been the foundation of Fujitsu’s success since our inception. In an increasingly competitive world, in which the pace of change continues to accelerate, Fujitsu strives for continuous innovation. With a spirit of challenge and an innovative mindset, we are committed to creating new value for the world, our customers, and our employees.
Wayfinders is Fujitsu’s new business and technology management consulting firm built for the AI era. The mission of Wayfinders is to help customers define how they should harness the power of technology to outperform their peers and drive new frontiers of growth and profitability. We help customers from opportunity to outcome; we work with them to develop their strategy, implement it at scale, and maximize their return on investment. We do all this by weaving AI into our consulting process and building our customers’ capabilities so they can leverage AI at scale across their enterprise.
Position Overview: Business Solution Architect – Consumer Banking & Lending (BFSI)
We are seeking a seasoned Solution Architect to lead business & technology strategy, architecture, and transformation design across the Consumer Banking & Lending domains within the BFSI sector. This role requires deep functional understanding of retail banking, lending products, and customer lifecycle journeys, combined with the ability to architect scalable, secure, and modern technology solutions that drive business growth, compliance, and operational agility. The ideal candidate will bring cross-domain expertise in banking operations, digital customer experience, data architecture, lending lifecycle (origination through servicing and capital markets), and technology modernization.
Key Responsibilities
Architecture Design & Strategy
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Develop comprehensive end-to-end business solution architectures for banking and lending capabilities including account opening, onboarding, personal loans, auto finance, and residential mortgages.
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Define and maintain architecture blueprints, reference models, and system integration patterns across core, digital, data, and cloud layers.
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Provide leadership for legacy modernization initiatives including core banking replacement, lending platform upgrades, and omni-channel transformation.
Domain-Centric Solutioning
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Architect solutions across the core banking & lending value chain: Retail, Banking, Online Banking, Origination, Fulfillment, Servicing, and Secondary Market.
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Align digital channel architecture (web, mobile, social, contact center) with customer experience strategies using customer journey-based design and API-first principles.
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Apply domain expertise to deliver differentiated lending experiences including pre-approved offers, AI-led credit scoring, and real-time disbursement.
Technical Solution Leadership
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Lead design secure, high-performing architectures leveraging microservices, event-driven architecture, containerization (Docker/Kubernetes), cloud-native platforms (AWS, Azure,
GCP).
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Partner with cybersecurity, risk, compliance, and infrastructure teams to ensure adherence to enterprise standards.
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Conduct technology evaluations, POCs, and solution comparisons to select optimal industry platform and tools.
Stakeholder Engagement & Advisory
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Act as a strategic advisor to business leaders and product managers by articulating how architecture choices impact business outcomes.
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Lead business architecture reviews and facilitate design decisions across multidisciplinary teams.
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Support pre-sales and consulting engagements by defining solution approaches, effort estimation, and value proposition articulation.
Implementation Guidance & Governance
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Provide architectural oversight across delivery lifecycle including sprint planning, technical reviews, DevSecOps integration, testing, and production readiness.
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Guide cross-functional teams to translate architectural blueprints into executable designs. Ensure reusability, compliance, scalability, and resilience in every solution.
AI-Driven Transformation
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Design and implement AI/ML-driven solutions to enhance lending decisioning, fraud detection, risk scoring, and hyper-personalized banking experiences working with cross functional client & internal teams.
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Collaborate with data science and engineering teams to integrate AI models into production systems for predictive analytics, intelligent automation, and customer segmentation.
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Drive use cases such as AI-powered underwriting, chatbots/agentic AI for customer service, document intelligence for loan processing, and real-time analytics for loan portfolio risk.
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Ensure AI implementations adherence to ethical standards, model governance, explainability, and regulatory requirements (e.g., Fair Lending, Model Risk Management).
BFSI Business Transformation Expertise
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Deep understanding of end-to-end BFSI processes including retail banking, lending, payments, risk, compliance, and customer lifecycle management.
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Proven track record in driving digital transformation initiatives including core system modernization, omnichannel enablement, and cloud adoption.
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Experience leading transformation programs that integrate fintech capabilities, embedded finance models, and open banking strategies.
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Ability to align IT and business strategy to improve operational efficiency, regulatory compliance, customer satisfaction, and market competitiveness.
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Expertise in managing enterprise change, transformation governance, and value realization through OKRs and KPIs.
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Background in cost-to-income ratio improvement, business process reengineering, and operating model transformation within financial institutions.
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Familiarity with agile transformation frameworks, digital maturity assessments, and transformation road mapping for large-scale BFSI clients.
Required Experience & Qualifications
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10–15 years of IT experience with at least 5 years as a Solution Architect in Consumer Banking and Lending.
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Expertise in core banking systems (e.g., Finastra, FIS, Fiserv, Temenos) and loan management systems (e.g., Encompass, Empower, MSP, Black Knight, ICE).
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Experience in Personal Loans, Auto Lending, Mortgage Origination/Servicing/Capital Markets, Digital Channels, and Customer Identity & Onboarding.
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Familiarity with Open Banking, Embedded Finance, Fintech APIs, and regulatory standards (FCRA, HMDA, RESPA, TILA).
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Experience in designing and deploying AI/ML solutions in BFSI, particularly in underwriting, customer insights, fraud prevention, or intelligent process automation.
Preferred Qualifications
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TOGAF, Zachman, SAFe Architect certifications.
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Cloud certifications: AWS/GCP/Azure.
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Experience with Blend, Roostify, nCino, Upstart, Plaid, Mambu.
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Exposure to AI/ML in intelligent underwriting, fraud detection, and collections.
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Familiarity with AI platforms and frameworks (e.g., TensorFlow, SageMaker, Vertex AI) and experience integrating AI into core banking or lending platforms.
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Experience with GSE platforms (Fannie Mae DU, Freddie Mac LPA).
Soft Skills & Attributes
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Exceptional analytical, facilitation, and presentation skills.
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Strong leadership and mentoring capabilities.
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Business acumen and alignment of IT strategies to banking goals.
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Ability to work in agile, cross-functional environments.
Why Join Us
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Shape next-generation banking platforms and customer experiences.
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Work at the intersection of business, technology, and innovation.
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Collaborate with senior stakeholders across banks, FinTech’s, and technology teams.
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Join a purpose-driven, diverse, and future-forward organization driving digital transformation in BFSI.
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Be at the forefront of applying AI to revolutionize consumer banking and lending processes.
As a technology company, Fujitsu recognizes that human resources are its most important capital. To create an environment where all employees can work positively and healthily, both in mind and body, we offer a full range of health, 401K, and other benefits.

At Fujitsu, one of our corporate principles is "We respect human rights." This principle underpins our corporate and individual activities and guides the actions of every Fujitsu Group member. We embrace diversity and equal opportunity. Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. By empowering people, we can unleash our collective strengths to create a better experience for our employees, our customers, and our partners. California Privacy Act: https://www.fujitsu.com/us/Images/CALIFORNIA-CONSUMER-PRIVACY-ACT-NOTICE.pdf

Fujitsu at a Glance

Fujitsu is a leading information and communication technology (ICT) company, headquartered in Japan, offering a full range of technology products, solutions, and services. Approximately 132,000 Fujitsu people support customers in more than 100 countries. We use our experience and the power of ICT to shape the future of society with our customers.

We are a corporate culture that places great value on the pursuit of new possibilities previously unimagined and brings them to fruition.  This has been the foundation of Fujitsu’s success since its inception.  In an increasingly competitive world, in which the pace of change continues to accelerate, Fujitsu must strive for continuous innovation. Each and every employee will rise to the challenge of creating new value amid changes in the management environment, technology, society and the marketplace. With a spirit of challenge, we are committed to the continuous creation of new value.  Fujitsu wants innovators like you!

 

At Fujitsu, one of our corporate principles is "We respect human rights". This principle underpins all our corporate and individual activities and guides the actions of every Fujitsu Group member. We embrace diversity and equal opportunity.  Qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. By empowering people, we can unleash our collective strengths to create a better experience for our employees, our customers, and our partners.

 

California Consumer Privacy Act (CPPA), read here