Oportun. Inc

Sr. Solutions Architect, Loan Management System

Req No.
Regular Full-Time
Remote / WFH
Job Locations
US-CA-San Carlos

Company Overview


Oportun (Nasdaq: OPRT) is a financial services company and digital platform that provides responsible consumer credit to hardworking people. 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 in affordable credit, providing our customers with alternatives to payday and auto title loans. In recognition of our responsibly designed products which help consumers build their credit history, we have been certified as a Community Development Financial Institution (CDFI) since 2009.



Since extending our first loan in 2006, Oportun has made over 4 million loans, totaling over $10 billion to hardworking low- and moderate-income individuals. In turn, Oportun has helped more than 905,000 people begin establishing the credit history required to enter the financial mainstream. At the same time, Oportun’s customers have saved an estimated $1.9 billion in interest and fees compared to the alternatives typically available to them.


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 Sr. Solutions Architect for Loan Management System domain to develop and implement systems architecture that will play a critical role in serving our customers better. This is a hands-on role, requiring the ability to self-manage and to communicate effectively with people 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.). You will partner with product leads, business leads & other leaders to build exciting products and play key role in our exciting journey.

As a Sr. Solutions Architect, Loan Management System you’ll work with some of the brightest engineers, product managers and business leaders 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. As an early hire of this domain, you are ready to work on technical problems with undefined boundaries. 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.


Among other focus areas, you'll be partnering with and guiding work on analytics to provide visibility to Oportun’s transactional health, loan rules, payments and other data points that are crucial for revenue and loan’s lifecycle management.



  • 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, be the representative of 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.


  • 10+ years of proven, professional experience as a Solutions Architect (Software Applications) for consumer-facing products.
  • In-depth understanding of coding languages (Java/J2EE preferred) and frameworks (Spring, SpringBoot, Angular, etc.).
  • Experience with CI/CD technologies and cloud infrastructure such as AWS, Azure or GCP.
  • 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.
  • 3+ years of experience in loan management systems, transactional systems in FinTech is preferred
  • Experience with applications in involving large volume of transaction data ( TeraBytes +)
  • Experience with messaging/notification platform
  • Experience with multi-tenant SaaS applications is plus.
  • Experience with financial systems, payment systems and/or credit decisioning systems, financial lending domain


  • Bachelors in CS or similar fields from reputed intuition AND 16+ years of experience.
  • Masters in CS or similar fields from reputed intuition AND 14+ years of experience.
  • PhD in CS or similar fields from reputed intuition AND 12+ years of experience.





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