Job Title: SOLUTION ARCHITECT - KNUTSFORD
About the Job you are considering: We are seeking a seasoned Senior Lead Architect with deep 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 Tier1 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 strong domain knowledge, solution design capability and hands‑on engagement with engineering and product teams across a multiplatform environment.
Hybrid working
The places that you work from day to day will vary according to your role, your needs, and those of the business; it will be a blend of company offices, client sites, and your home; noting that you will be unable to work at home 100% of the time.
Job Role
* Lead architecture and solution design for Current Account and Packaged Account journeys across originations, servicing, charging, and account maintenance.
* Develop high‑level and low‑level architecture artefacts aligned with enterprise standards.
* Work closely with Product Owners, Business Analysts, Engineering Leads, and Platform SMEs to define functional and non‑functional requirements.
* Drive modernisation of legacy account platforms into strategic systems and APIs.
* Review existing architecture and propose improvements for scalability, compliance, and performance.
* Support regulatory and compliance initiatives including FCA requirements, packaged account suitability, disclosure, and fee‑related rules.
* Provide architectural governance ensuring adherence to security, data, and integration standards.
* Partner with downstream and upstream platforms such as payments, statements, digital channels, fraud/risk, and customer communications.
* Guide engineering teams during build phases and ensure strong alignment to architectural intent.
Job Skills
* Bring 10+ years of experience in banking technology, including 6+ years in architecture roles.
* Demonstrate strong expertise in the Current Accounts domain, including packaged/paid‑for accounts, monthly charging rules, benefits eligibility, account lifecycle events, overdrafts, mandates, and account switching (CASS).
* Have experience working with UK retail banking platforms such as Nationwide, Santander, Lloyds, HSBC, RBS/NatWest, etc.
* Deliver large‑scale transformations involving core banking platforms, customer onboarding systems, account servicing channels, and API‑based integrations.
* Translate business needs into scalable and secure architectural solutions.
* Strong understanding of modern architectural patterns including microservices, event‑driven architectures, and cloud‑native principles.
* Experience working in Agile delivery environments with cross‑functional squads.
* Excellent communication skills to engage senior stakeholders, explain design decisions, and influence technical direction.
We are a Disability Confident Employer
Capgemini is proud to be a Disability Confident Employer (Level 2) under the UK Government’s Disability Confident scheme. As part of our commitment to inclusive recruitment, we will offer an interview to all candidates who:
* Declare they have a disability, and
* Meet the minimum essential criteria for the role.
Please opt in during the application process.
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