Join a leading Banking and Financial service provider as a Current Accounts Jr. Architect!
Job Overview:
Expertise in Current Accounts, specifically Packaged Accounts / Paid-for Accounts, who has worked on large-scale UK retail banking platforms such as Nationwide, Santander, Lloyds, or similar Tier-1 banks. The ideal candidate brings end-to-end architecture experience across customer onboarding, eligibility, benefits management, charging, servicing, and account lifecycle scenarios. The role requires domain knowledge, solution design capability, and hands-on engagement with engineering and product teams across a multi-platform environment.
Location: Knutsford
Rate: In-scope IR35 £495 per day (via a Hays Approved Umbrella Company).
Contract Duration: 31/12/2026
Work Schedule: 2-3 days onsite/week
Key Responsibilities
* Architecture and solution design for Current Account and Packaged Account journeys across origination, servicing, charging, and account maintenance
* Creation of high-level and low-level architecture artefacts aligned with client enterprise architecture standards
* Collaboration with Product Owners, Business Analysts, Engineering Leads, and Platform SMEs to define functional and non-functional requirements
* Modernisation of legacy account platforms into strategic target systems and reusable APIs
* Review of existing architectures with recommendations to improve scalability, performance, resilience, and regulatory compliance
* Support for regulatory and compliance initiatives, including FCA requirements, packaged account suitability, disclosures, and fee-related rules
* Provision of architectural governance, ensuring adherence to security, data, integration, and technology standards
* Partnership with upstream and downstream platforms including payments, statements, digital channels, fraud/risk, and customer communications
* Guidance to engineering teams during build and delivery phases to ensure alignment with approved architectural intent
Experience & Expertise
* Extensive experience in banking technology, with 3+ years operating in architecture-focused roles.
* Deep domain expertise in Current Accounts, including:
* Packaged and paid-for accounts
* Monthly charging models
* Customer benefit eligibility
* Account lifecycle management
* Overdrafts, mandates, and account switching (CASS)
Banking Platforms & Transformations
* Proven experience working with major UK retail banking platforms, such as Nationwide, Santander, Lloyds, HSBC, and RBS/NatWest.
* Strong track record of delivering large-scale transformation programmes, covering:
* Core banking platforms
* Customer onboarding solutions
* Account servicing and digital channels
* API-led and service-based integrations
Architecture & Delivery
* Skilled at translating business requirements into scalable, resilient, and secure architectural solutions.
* Solid understanding of modern architectural approaches, including:
* Microservices-based architectures
* Event-driven design
* Cloud-native principles (nice to have, subject to client’s technology context)
* Experienced in Agile delivery environments, collaborating closely with cross-functional squads.
Stakeholder Engagement
* Strong communication and influencing skills, with the ability to articulate architectural decisions, manage trade-offs, and engage effectively with senior stakeholders.
Nice to Have
* Prior exposure to client platforms, processes, or architecture frameworks.
* Experience with regulatory, compliance, and financial crime considerations relevant to retail banking products.
* Understanding of UK packaged account frameworks, including integrations for services such as travel insurance and breakdown cover.
Additional Information:
Interview Process: In Person / Teams
How to Apply:
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV, or call us now.
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