Solutions Architect - Credit Risk in London

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.

Investec is looking for an experienced Solutions Architect to shape the future of our UK Credit Risk technology landscape. Sitting within UK Technology and aligned to Credit Risk, you will work at the intersection of regulation, data and technology. You will define how the systems, platforms and data supporting the complete credit lifecycle evolve, from origination and decisioning through to exposure management, capital calculation, impairment and regulatory reporting.

This is an influential role that combines long-term architectural direction with pragmatic delivery. You will partner with colleagues across Credit Risk, Risk Analytics and Modelling, Finance, Regulatory Reporting, Product, Engineering and Architecture, helping Investec respond to regulatory change, simplify its credit risk landscape and make effective use of emerging technology.

What will I be doing?

• Define and maintain the target-state architecture and strategic roadmap for UK Credit Risk, covering current, transition and future states.
• Provide architectural leadership across the credit lifecycle, including origination, decisioning, limits, collateral, exposure management, monitoring, impairment, capital and regulatory reporting.
• Shape solutions that support regulatory change, including Basel 3.1, the Internal Ratings Based approach and prudential reporting.
• Partner with Risk Data leadership to strengthen data lineage, quality, ownership, auditability, aggregation and reporting across the credit risk domain.
• Define solution architectures, standards, patterns and guardrails, providing consistency and continuity across technology decisions.
• Support application selection and build, buy or reuse decisions for credit risk platforms and engines, including their integration with finance, lending and data platforms.
• Help identify and govern appropriate uses of AI, ensuring solutions are explainable, secure and compliant with model risk management expectations.
• Coach engineering teams, contribute to architecture governance and build strong relationships across different geographies and business areas.

What are we looking for?

What's Essential

• At least eight years' experience in solution or enterprise architecture, with a track record of defining architectures and target-state roadmaps aligned to business outcomes.
• Demonstrable experience architecting solutions within the Credit Risk function of a bank or regulated financial services organisation.
• Strong knowledge of the credit lifecycle and its supporting systems, including credit decisioning, limits, collateral, exposure management and monitoring.
• A strong understanding of modern architecture patterns, including APIs, integration, event-driven architecture and distributed systems.
• Knowledge of the UK prudential regulatory environment, including PRA expectations and how regulation translates into technology, data and control requirements.
• The ability to translate business strategy and regulatory requirements into clear, practical architectural direction.
• An understanding of software delivery, security and resilience principles, alongside architecture frameworks such as TOGAF or Zachman.
• Knowledge of responsible AI principles, including explainability, human oversight, data privacy and security.

What's Desirable

• Knowledge of the Microsoft technology ecosystem, including Azure cloud services and the Azure Well-Architected Framework.
• Familiarity with the Basel Framework, Standardised and IRB approaches, IFRS 9 and risk-weighted asset calculations.
• Understanding of expected credit loss and the data and process dependencies connecting Credit Risk and Finance.
• Experience delivering credit risk, capital or impairment engines and integrating them with source and finance systems.
• Knowledge of risk data aggregation, regulatory reporting and associated reporting principles.
• Experience with modern data platforms and approaches, such as Microsoft Fabric, lakehouse architectures and data products.
• The ability to identify credible, value-adding AI opportunities within credit risk processes.
• Strong communication and stakeholder management skills, with the ability to balance strategic thinking with pragmatic delivery.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. We believe that being together enables us to live our values and support our clients and communities in an extraordinary way.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.

Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for. Get in touch!

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day. Be part of something Out of the Ordinary.

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at careers@investec.com who will be happy to assist.

Location: London - 30 Gresham Street

Department: Enterprise & Shared Platforms

Division: IBP Digital and Technology

Employment Type: Full time

Salary: Competitive