Senior Software Architect

About Specialty Capital Specialty Capital was founded just four years ago with a bold idea - to give “debanked” small businesses access to capital that’s Simple, Smart, and Reliable. Today, the company is among the top revenue-based finance companies in the U.S., serving thousands of merchants through a combination of speed, technology, and a deeply human approach. We’re now entering our next chapter and scaling into new financial verticals (credit cards, payments, and neo-bank integrations) and expanding internationally, starting with Canada. The company is profitable, founder-led, and growing rapidly with a culture built on grit, ownership, and mission. Position Overview We are seeking an experienced Technical Architect to shape the technological foundation of our rapidly growing small business lending platform. This fully remote position offers the opportunity to design and implement cutting‑edge financial technology solutions while working with a dynamic team focused on revolutionizing business financing. The ideal candidate will bring deep expertise in mobile application development and financial services technology to help us build scalable, secure, and innovative lending solutions. Key Responsibilities Architecture & Technical Strategy Design and evolve the comprehensive technical architecture for our lending platform, ensuring scalability, reliability, and security Define and maintain architectural standards, patterns, and best practices across all technology initiatives Lead technology selection and evaluation processes for new tools, frameworks, and platforms Create technical roadmaps aligned with business objectives and product strategy Provide technical guidance and mentorship to development teams Mobile Application Architecture Architect and oversee the development of native mobile applications for iOS and Android platforms Design mobile solutions that deliver exceptional user experiences for loan applications and account management Ensure seamless integration between mobile applications and backend services Optimize mobile application performance and offline capabilities Platform Development Collaborate with SaaS vendors to ensure platform configurations align with architectural standards Design and implement API strategies for internal and external integrations Architect microservices and serverless solutions using cloud services Develop architecture strategies for analytics, reporting, and machine learning Implement AI and automation solutions to streamline lending processes Security & Compliance Define security architecture and implement defense‑in‑depth strategies Ensure architectural compliance with financial industry regulations and standards Design secure data handling and encryption strategies for sensitive financial information Lead security reviews and threat modeling exercises Implement monitoring and incident response architectures Technical Leadership Provide hands‑on technical expertise in node.js, React, Swift, Java / Kotlin development Review code, architectures, and technical designs to ensure quality and standards Facilitate technical discussions and decision‑making across teams Establish development standards, coding practices, and documentation requirements Drive continuous improvement in development processes and technical practices Required Qualifications Bachelor's degree in Computer Science, Software Engineering, or related field; Master's degree preferred 10‑15 years of progressive experience in software architecture and development Extensive experience in mobile application development for iOS and Android platforms Strong expertise in Swift for iOS and Java / Kotlin for Android development Proven experience with financial technology platforms and payment systems Deep knowledge of cloud architecture Experience with node.js, React, mySQL, and modern web technologies Strong background in API design, microservices, and distributed systems Experience with ETL processes, data pipelines, and reporting solutions Understanding of cybersecurity best practices and financial services regulations Excellent communication skills with ability to translate technical concepts to business stakeholders Preferred Qualifications Experience in small business lending or commercial finance Experience with Large Language Models / ML implementations in financial services Knowledge of loan origination systems and credit decisioning platforms Experience with React Native or cross‑platform mobile development frameworks What We Offer Fully remote position with flexible working arrangements Competitive compensation package commensurate with experience Comprehensive benefits including health, dental, and vision insurance Opportunity to shape the technical direction of a growing fintech company Professional development opportunities and conference attendance Collaborative environment with a focus on innovation and impact Join Specialty Capital and play a pivotal role in revolutionizing small business lending through innovative technology solutions. As our Technical Architect, you'll have the opportunity to design systems that directly impact thousands of businesses across the country, helping them access the capital they need to grow and thrive. Specialty Capital is an equal opportunity employer committed to building a diverse and inclusive team. #J-18808-Ljbffr