Solution Architect

Dubai, United Arab Emirates | Posted on 10/29/2026 tech carrot is a leading global ITservice provider and partner in digital transformation offering cost-effective,customer-centric, and cutting-edge digital solutions to clients worldwide. founded in 2016, tech carrot isheadquartered in Dubai, UAE. Being a people-oriented organization with aphilosophy of \"We care\" as our core DNA, tech carrot continuallyfocuses on new initiatives and strategies to increase overall employeeexperience by providing a plethora of platforms to drive employee development,overall efficiency, increase overall employee satisfaction. With over 200+technology specialists who are engaged and motivated we are growing at 20% a year-on-year since inception.

We offer
cutting-edge services across multipleindustries and deliver seamless customer experiences, ensuring high value andrapid growth for our clients. tech carrot has earned wide recognition as areliable partner for organizations across the globe because of its professionalapproach and strong delivery capabilities. The Middle East and Africa arehandled by UAE operations, while APAC is handled by India operations. We havealso expanded in the USA and the Netherlands as well. Office Location Dubai

Job Description
The Solution Architect will design and govern technology solutions across its Financial Services and Mobility businesses. The role is split equally between two areas of depth: Payments, lending & cards (50%): financial lending (BNPL, consumer and auto loans), credit cards, payment gateways and orchestration, tokenisation and emerging agentic payments. Digital architecture (50%): microservices, frontend and Backend-for-Frontend (BFF)architectures for websites, mobile apps, sales and marketing platforms, and their integration with partner tools through SDKs and APIs. The role acts as a trusted advisor and technology lead to business and technology stakeholders, turning business needs into secure, scalable and reusable architectures. It also leads key architecture deliverables: business capability modelling, gap and opportunity assessment, As-Is, Transition and Target architecture views, and prioritized roadmaps. Lead end-to-end solution architecture for lending and card products (BNPL, consumer and auto loans, credit cards) across origination, decisioning, limits, servicing, collections and settlement.
Design payment acceptance and orchestration across in-store and online channels: payment gateways, PSPs, acquirers and orchestration platforms, card-on-file and recurring (merchant-initiated) payments, refunds and chargebacks.
Define tokenisation and card-data security patterns (network and PSP tokens, hosted payment pages, 3-D Secure) that keep PCI DSS scope to a minimum.
Design card issuing and processing integrations: card management and processor platforms, authorisation, scheme connectivity (Visa, Mastercard) and digital wallets (Apple Pay, Google Pay).
Shape organisation's approach to agentic payments and commerce, where AI agents initiate or approve payments on a customer’s behalf, with delegated authority, consent, tokenised credentials and fraud controls.
Own integration of lending and payment platforms with credit bureau, KYC / AML, direct debit and finance systems (GL, settlement and reconciliation). Digital, microservices & frontend architecture (50%) Define the target digital architecture for organisation websites, mobile apps, merchant portals and sales channels using microservices, micro-frontends and Backend-for-Frontend (BFF) API-first and event-driven services (REST, GraphQL, webhooks, event streaming) with API gateway management, versioning, security and observability.
Architect the integration of sales, CRM, marketing automation, customer engagement and analytics tools (e.g., Salesforce, MoEngage, Google Analytics / Tag Manager) through vendor SDKs and APIs, with consent and data privacy built in.
Set standards for web and mobile frontends, including headless CMS, performance, accessibility, SEO, A/B testing and personalisation, working with digital engineering teams.
Define cloud-native deployment patterns on Azure (containers, Kubernetes, serverless) with DevOps, CI/CD and monitoring built in. Business architecture & roadmap Maintain the Level 1 Business Capability Architecture across Financial Services and Mobility, mapping capabilities to applications, owners and gaps.
Produce As-Is, Transition and Target architecture views and recommend prioritised roadmaps and findings and recommendations to senior leadership in a clear, business-focused way.
Delivery, governance & innovationTranslate business requirements and customer journeys into solution designs that engineering and vendor teams can deliver, and guide them through build, test and go-live.
Work closely with Product, Risk, Compliance, Finance and Operations to close design decisions.
Drive approval of high-level designs through architecture governance; promote and enforce architectural principles, standards and