Solutions Architect (Fintech

The Solution Architect (Fintech) will work closely with the Sales Manager, Engineering Manager, and Product Manager to shape client opportunities and support Vietpay's strategic initiatives. This role bridges business opportunities, product capabilities, and technical execution, turning client needs into practical, scalable, and commercially viable solutions.
You will qualify incoming opportunities, conduct business and technical research, perform technical and commercial feasibility assessments, evaluate third-party products and technology partners, and develop Rough Order of Magnitude (ROM) estimates and detailed cost models. You will also define solution architectures and produce clear and compelling technical proposals for clients.
You will collaborate with the Sales Manager to understand client needs and commercial opportunities, the Product Manager to align proposed solutions with product strategy and capabilities, and the Engineering Manager to validate technical feasibility, architecture, effort, risks, and delivery approach.
You will present and defend proposed solutions through internal peer reviews and client discussions, ensuring that solutions are technically sound, secure, scalable, cost-effective, and realistic to deliver.
The ideal candidate has strong analytical and problem-solving skills, a solid architectural mindset, and experience designing enterprise solutions, particularly within fintech, payments, banking, or complex system integration environments.
Exposure to AI-enabled workflows and AI-assisted solution development is a strong advantage. You should be curious, adaptable, and willing to continuously learn and adopt new AI tools and approaches.
Key Responsibilities
1. Opportunity Qualification & Technical Assessment
· Partner with
Sales and Product Managers
to assess incoming opportunities, understand client needs, evaluate the business case, and determine technical fit.
· Review client requirements, RFPs/RFIs, existing architecture, and available project documentation to identify scope, constraints, dependencies, and risks.
· Conduct
technical and commercial feasibility assessments
, considering Vietpay's existing capabilities, product fit, implementation complexity, client technology landscape, and delivery risks.
· Research and evaluate
third-party products, platforms, and technology partners
where they can reduce development effort, accelerate delivery, or mitigate technical risks.
· Identify major technical assumptions, dependencies, gaps, and risks early in the opportunity lifecycle.
2. Estimation, Cost Modelling & Commercial Alignment
· Build detailed
cost and effort models
covering engineering effort, infrastructure, cloud services, software licensing, third-party services, implementation, and ongoing support.
· Work closely with
Engineering Managers and technical/domain experts
to validate assumptions, architecture, effort estimates, dependencies, and delivery timelines.
· Partner with the Sales Manager to ensure the proposed solution and associated costs are commercially realistic and aligned with the client opportunity.
· Clearly document assumptions, exclusions, dependencies, and risks behind estimates and proposals.
3. Solution Architecture & Proposal Development
· Design high-level and detailed
end-to-end solution architectures
that address client business requirements and integrate effectively with existing enterprise systems.
· Define key components, system integrations, APIs, data flows, infrastructure requirements, security considerations, and third-party dependencies.
· Produce clear and compelling
technical proposals, RFP/RFI responses, solution documents, and architecture presentations
that focus on solving the client's business problem rather than simply presenting technology.
· Participate actively in internal
architecture and peer reviews
, presenting and defending technical decisions while remaining open to challenges and alternative approaches.
· Work with Product and Engineering teams to ensure proposed solutions are aligned with existing product capabilities and are realistic to implement and maintain.
4. Client Engagement, PoCs & Delivery Handoff
· Present solution architectures, technical approaches, and value propositions to client stakeholders, technical teams, and internal decision-makers.
· Participate in technical workshops and discovery sessions to clarify requirements and shape appropriate solutions.
· Prepare or work closly with Software Engineer to have Proof-of-Concepts (PoCs), prototypes, or technical demonstrations
when required to validate key architectural assumptions or demonstrate feasibility.
· Support Sales during technical discussions and help address client questions, concerns, and technical objections.
· Coordinate the handoff from pre-sales to Engineering and Delivery teams, ensuring that scope, architecture, assumptions, estimates, dependencies, and risks are clearly understood.
5. Security, Governance & AI-Enabled Ways of Working
· Ensure proposed solutions follow appropriate
fintech security, data protection, and compliance practices
, including areas such as PCI DSS, encryption, tokenization, access control, auditability, and data privacy.
· Consider security, scalability, reliability, observability, and operational requirements as part of solution architecture from the beginning.
· Maintain strong working relationships with technology partners and vendors and stay informed about relevant products and industry developments.
· Use modern
AI-assisted tools
where appropriate to improve technical research, requirements and RFP analysis, solution exploration, documentation, and proposal development.
· Continuously explore new AI tools and working methods that can improve the quality and efficiency of solution architecture activities.
Job Requirements
· 7+ years of experience
in Solution Architecture, Technical Pre-Sales, Systems Engineering, IT Consulting, or a similar technical role.
· Strong experience in requirements analysis, solution design, technical estimation, cost modelling, and proposal development.
· Solid understanding of
enterprise integration patterns, APIs (REST/gRPC), distributed systems, databases, and cloud platforms such as AWS, GCP, or Azure
.
· Ability to design solutions that integrate multiple internal systems, external partners, vendors, and client platforms.
· Strong analytical and problem-solving skills with the ability to evaluate technical options, trade-offs, risks, and costs.
· Good presentation and storytelling skills, with the ability to explain complex technical concepts in terms of
business problems, trade-offs, and value
.
· Comfortable participating in architecture and peer reviews, constructively challenging assumptions and adapting solutions based on evidence and feedback.
· English communication:
Basic conversational English with good reading and writing skills, particularly for technical specifications, RFP/RFI analysis, architecture documentation, and client proposals.
· Ability to work effectively across
Sales, Product, Engineering, Delivery, and external partners
.