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

Required : 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.