Senior Software Architect

About Specialty CapitalSpecialty 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 OverviewWe 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 ResponsibilitiesArchitecture & Technical StrategyDesign and evolve the comprehensive technical architecture for our lending platform, ensuring scalability, reliability, and securityDefine and maintain architectural standards, patterns, and best practices across all technology initiativesLead technology selection and evaluation processes for new tools, frameworks, and platformsCreate technical roadmaps aligned with business objectives and product strategyProvide technical guidance and mentorship to development teamsMobile Application ArchitectureArchitect and oversee the development of native mobile applications for iOS and Android platformsDesign mobile solutions that deliver exceptional user experiences for loan applications and account managementEnsure seamless integration between mobile applications and backend servicesOptimize mobile application performance and offline capabilitiesPlatform DevelopmentCollaborate with SaaS vendors to ensure platform configurations align with architectural standardsDesign and implement API strategies for internal and external integrationsArchitect microservices and serverless solutions using cloud servicesDevelop architecture strategies for analytics, reporting, and machine learningImplement AI and automation solutions to streamline lending processesSecurity & ComplianceDefine security architecture and implement defense-in-depth strategiesEnsure architectural compliance with financial industry regulations and standardsDesign secure data handling and encryption strategies for sensitive financial informationLead security reviews and threat modeling exercisesImplement monitoring and incident response architecturesTechnical LeadershipProvide hands-on technical expertise in node.js, React, Swift, Java/Kotlin developmentReview code, architectures, and technical designs to ensure quality and standardsFacilitate technical discussions and decision-making across teamsEstablish development standards, coding practices, and documentation requirementsDrive continuous improvement in development processes and technical practicesRequired QualificationsBachelor's degree in Computer Science, Software Engineering, or related field; Master's degree preferred***** years of progressive experience in software architecture and developmentRequired: Extensive experience in mobile application development for iOS and Android platformsStrong expertise in Swift for iOS and Java/Kotlin for Android developmentProven experience with financial technology platforms and payment systemsDeep knowledge of cloud architectureExperience with node.js, React, mySQL, and modern web technologiesStrong background in API design, microservices, and distributed systemsExperience with ETL processes, data pipelines, and reporting solutionsUnderstanding of cybersecurity best practices and financial services regulationsExcellent communication skills with ability to translate technical concepts to business stakeholdersPreferred QualificationsExperience in small business lending or commercial financeExperience with Large Language Models / ML implementations in financial servicesKnowledge of loan origination systems and credit decisioning platformsExperience with React Native or cross-platform mobile development frameworksWhat We OfferFully remote position with flexible working arrangementsCompetitive compensation package commensurate with experienceComprehensive benefits including health, dental, and vision insuranceOpportunity to shape the technical direction of a growing fintech companyProfessional development opportunities and conference attendanceCollaborative environment with a focus on innovation and impactJoin 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.