Enterprise Architect

Kapitus•Arlington, VA

19d•Remote

About The Position

Kapitus is creating its first dedicated Enterprise Architect role to define the target-state architecture for its lending lifecycle, establish an architecture practice, and sequence technology modernization to support business growth. The role spans the flow from lead through decisioning, funding, servicing, and collections, including the systems, data, integrations, and owners involved. The Enterprise Architect will work closely with engineering, product, data, AI, and security leaders to make architecture decisions that support the company’s lending platform and business outcomes. The position will define and maintain an organization-wide architecture map; set a modernization roadmap; establish canonical data models and vendor-adapter standards for decisioning inputs; and integrate data, analytics, AI, and model-deployment capabilities into the enterprise architecture. It will shape API, eventing, partner-integration, and middleware standards, while embedding security, resilience, and observability into designs. The role will also create a lightweight governance practice, guide responsible AI enablement, and mentor technical leaders. Kapitus describes this as a build-and-shape role rather than a maintenance role. The position is 100% remote for candidates residing in Virginia. Candidates in Maryland and Washington, DC are encouraged to apply and must be willing to work a hybrid schedule from the Arlington, Virginia office. Consideration may be given to qualified remote candidates in states where Kapitus or a subsidiary has an established physical presence.

Requirements

At least 10 years of experience in software engineering and architecture, including several years as an enterprise or solution architect owning complex, high-volume transactional systems end to end.
Deep cloud-native architecture experience on AWS, including containers, serverless, event-driven patterns, API management, relational and NoSQL data stores, and related security and cost controls.
Strong data and analytics architecture experience, including canonical and semantic models, warehouse and lakehouse patterns, operational-versus-analytical data separation, integration and adapter patterns, and work across data and engineering teams.
Track record modernizing legacy systems in production using approaches such as strangler and incremental migration to avoid big-bang risk.
Security- and compliance-by-design instincts; experience in a regulated industry such as lending, fintech, banking, or insurance is preferred.
Exceptional cross-functional influence and communication skills, including the ability to build trust across product and engineering and communicate with executives and technical teams.
Pragmatic, outcome-first mindset; ability to sequence work to business value, make decisions when evidence is sufficient, and document rationale.

Nice To Haves

Salesforce platform architecture at scale.
Experience with a modern lending or core-banking platform such as Mambu or similar.
Runtime and framework modernization, such as a PHP major-version uplift, and microservice decomposition of a monolith.
Experience with credit-decisioning ecosystems and data vendors such as Experian, LexisNexis, Plaid, and cash-flow providers.
Experience with model deployment and model-risk governance.
Familiarity with AI-assisted development tooling and guardrails.
Familiarity with infrastructure-as-code tools such as Terraform or OpenTofu.
Experience using a recognized architecture framework such as TOGAF as a tool.

Responsibilities

Own and maintain a current, AI-crawlable end-to-end architecture map of the lending lifecycle, systems, data stores, integrations, and ownership.
Define the target-state architecture and sequence a modernization roadmap aligned with the product roadmap and business outcomes.
Plan modernization initiatives such as core-platform runtime uplift, decoupling decisioning from the core, moving toward a modern lending core, and improving environments and infrastructure-as-code.
Establish Kapitus-owned canonical data models for decisioning inputs such as credit bureau, cash flow, and KYB data, along with vendor-adapter contracts that support vendor flexibility and failover.
Partner with the Chief Data and AI Officer’s organization to integrate data platforms, analytics and reporting, decisioning-data pipelines, machine learning, and model deployment into the enterprise architecture.
Define operational-versus-analytical data boundaries, ownership, and contracts across data, engineering, and product teams.
Shape API and eventing standards, partner API contracts, and middleware connecting Salesforce, the core platform, AWS services, and third parties.
Make authentication, secrets management, least privilege, audit logging, disaster recovery, high availability, and observability core attributes of architecture designs.
Establish and run an enabling architecture-governance practice, including principles, architecture decision records, design reviews, and build-versus-buy and total-cost-of-ownership discipline.
Bring product, engineering, data and AI, and security stakeholders into architecture decisions through joint planning; communicate technical choices to executives and engineers.
Develop guardrails for AI-assisted development and standards for model deployment and governance with data and security teams.
Mentor engineering managers and technical leads and strengthen architectural thinking across the organization.

Benefits

Competitive salary range of $117,800–$189,000 annually, with final salary depending on factors including location, skills, and experience.
Annual incentive compensation eligibility of up to 10%.
Medical, dental, and employer-paid vision plans through UnitedHealthcare, with multiple coverage levels.
UnitedHealthcare perks, including Sweat Equity, Calm App subscription, UHC rewards, Real Appeal, and Quit For Life.
Flexible Spending Account for qualified medical, dental, vision, pharmacy, or dependent-care expenses.
Lifestyle Spending Account for eligible physical, mental, and financial well-being expenses.
Company-paid basic short-term and long-term disability insurance and vision insurance.
Voluntary supplemental life insurance and enhanced short- and long-term disability coverage through Mutual of Omaha; Colonial accident and hospitalization insurance is also available.
Company-paid maternity and parental leave beyond state-mandated leave policies.
Pre-tax commuter benefits for parking and commuting expenses.
LifeBalance membership discounts on outdoor activities, arts, health, and fitness.
Pet and car insurance discounts.
LegalShield financial-services benefit.
Plum Benefits discounts on shows, travel, car rentals, and more.
Tuition reimbursement up to $5,000 annually, plus opportunities to attend relevant conferences and career-development events through Kapitus Academy.
Travel reimbursement for work-related travel.
Paid time off and sick time.
401(k) plan through Fidelity with a 25% match on contributions, up to 6% of annual salary.