Solution Architect, Loan Servicing

Oportun Inc
San Carlos, CA / Remote
30+ days ago

Job Description

Company Overview:
Oportun (Nasdaq: OPRT) is a financial services company and digital platform that provides responsible consumer credit to hardworking people in the United States. Using A.I.-driven models that are built on years of proprietary customer insights and billions of unique data points, we have extended millions of loans and billions of dollars in affordable credit to consumers, the majority of whom live in low-and moderate-income communities. Since about half of our new customers come to Oportun without a FICO score, we play a key role in the communities we serve by being able to offer them an affordable and credit-building alternative to payday and auto title lenders. In recognition of our responsibly designed products which help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.

With headquarters in California and a remote-first corporate culture, our 3,000+ team members work in Oportun locations and remotely throughout the United States, Mexico, and India. Our global operations include our Mexico contact centers and administrative offices, our India technology development center, and our US corporate, technology, and retail operations.

We feel privileged to have been named a “Top Workplace” by the Bay Area News Group for three years running, one of Fast Company’s Most Innovative Companies in the World for 2020 and recognized as a TIME Magazine 2018 Genius Company for our impact in helping to reinvent the future of lending. For the last three consecutive years, we have been titled Top Workplace by the Bay Area News Group.

Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups and our Diversity, Equity, Inclusion and Belonging Council.

We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, caste, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.

We encourage you to apply for this position even if you do not match all the qualifications listed for this position. At Oportun, we will consider all experience on a candidate’s application, and we are committed to building a team that encompasses a variety of backgrounds, experiences, and skills.

We will also consider those with criminal histories consistent with the requirements of applicable laws in the locations where the role will be based such as the San Francisco Fair Chance Ordinance and the Los Angeles Fair Chance Initiative for Hiring Ordinance when hiring for roles in those cities.

We are committed to providing reasonable accommodation for qualified individuals with disabilities in our job application process. Applicants in need of special assistance or accommodation during the application or interview process or in accessing our website may contact us by sending an email to [email protected] Please include your name and preferred method of contact in your email. Please also note that this email address is for requests for assistance only and not for the submission of applications or resumes, which will not be considered through this channel.
Department Overview:

Artificial Intelligence and a digital platform are essential to our ability to fulfill Oportun’s financially inclusive mission. The Technology team @ Oportun is dedicated to this mission which we enable by creating, delivering, and maintaining elegant, intuitive, and performant systems to support the needs of our customers and business partners.

Do you thrive on enhancing, developing and implementing system architecture that will meet business & customer needs? Does the idea of helping to shape and deliver high-performing and innovating technical architecture drive your professional goals? Our Engineering leadership team is looking for an innovative Solutions Architect for Loan Servicing domain to develop and implement systems architecture that will play critical role in serving our customers better. This is a hands-on role, requiring the ability to self-manage and to communicate effectively with persons at all levels and departments. You'll be a part of Oportun's Application Architecture team: A group of thought leaders responsible for Technology strategy (Mobile, Web, Data, Core Services, Machine Learning, etc.).

As a Solutions Architect of Loan Servicing, you’ll work with some of the brightest engineers and technical/product managers while also developing your skills and furthering your career within one of the most innovative and progressive FinTech companies today. You’ll assess our current software systems, identify areas for improvement, oversee development teams, and help drive future architectural frameworks. You’ll often experiment, get your hands dirty with technologies that aren’t explored yet by Oportun engineering team, be the pioneer to provide technical strategy and optimal cost-effective solution.

The right candidate will be a balance between a technical expert and a person who can understand and support Oportun’s business priorities and risk appetite.
  • Determine the best tech solutions to solve the existing business problems.
  • Define features, phases, and solution requirements.
  • Provide specifications according to which the solution is defined, managed, and delivered.
  • Continual research of current and emerging technologies and proposing changes where needed.
  • Providing updates to stakeholders on product development processes, estimate, and plan.
  • Be the technical thought leader of the team, provide necessary guidance and mentorship to team members whenever required
  • Evolve as subject matter expert and Go-To person for the domain.
  • Collaborate with multiple product and engineering teams, external partners, release engineering and other stakeholders across multiple global locations and represen the technical team in x-functional forums.
  • Champion best software engineering practices such as continuous integration, delivery, and deployment.
  • Guide and mentor other teammates and junior member.
  • 7+ years of proven, professional experience as a Solutions Architect (Software Applications) for consumer-facing products.
  • In-depth understanding of coding languages (Java/J2EE, JavaScript, TypeScript, etc.) and frameworks (Spring, SpringBoot, Angular, etc.).
  • Experience with CI/CD technologies and cloud infrastructure such as AWS, Azure or GCP.
  • 2+ years of working experience in building and/or maintaining loan management system, complex transactional systems within FinTech is preferred.
  • Proven strong analytical and problem-solving skills - including requirements analysis, detailed planning and risk assessment.
  • Experience with scalable, low-latency, highly available distributed systems.
  • Experience with service-oriented architecture (SOA), enterprise SaaS application development and project management.
  • Strong ability to build relationships with internal leadership at all levels, along with effective interpersonal, presentation and communication skills.
  • Excellent documentation and collaboration skills.
  • Applicable certification strongly preferred
  • Strong communication skills, both written and verbal.
  • Good presentation skills.
  • Ability to work under pressure and respond with urgency

  • MS or advanced degree a plus.
  • Experience with systems involving large volume of data ( TeraBytes +)
  • Experience with multi-tenant SaaS applications is plus.
  • Experience with financial systems, payment systems and/or credit decisioning systems, preferably in loans or similar products is plus.

  • Bachelors in CS or similar fields from reputed intuition AND 14+ years of experience
  • Masters in CS or similar fields from reputed intuition AND 12+ years of experience
  • PhD in CS or similar fields from reputed intuition AND 10+ years of experience


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