Lead Architect, Credit Card

Location: Wilmington, DE, United States

Job Family: Architecture

About the Role

At JP Morgan Chase, we are at the forefront of redefining banking through innovative digital experiences. As a Lead Architect, Credit Card within the Card Product Architecture team, you will play a pivotal role in shaping the future of our consumer credit card offerings. Based in Wilmington, DE, this position focuses on architecting scalable, secure, and user-centric platforms that power everything from card applications to real-time rewards and fraud alerts. You will lead efforts to integrate cutting-edge technologies that enhance customer satisfaction while adhering to the stringent regulatory landscape of the financial services industry. Your work will directly impact millions of Chase customers, driving loyalty through intuitive digital interactions in a competitive fintech ecosystem. In this leadership role, you will collaborate closely with product owners, data scientists, and engineering squads to translate business requirements into robust architectural blueprints. Responsibilities include designing microservices-based systems that support high-volume transactions, ensuring compliance with PCI DSS and other standards, and optimizing for performance across mobile and web channels. You will champion agile practices, mentor emerging talent, and evaluate emerging technologies like AI for personalized experiences, all while mitigating risks inherent in the payments domain. This position offers the opportunity to influence strategic initiatives at one of the world's largest financial institutions, contributing to JP Morgan Chase's commitment to innovation and customer-centricity. We seek a visionary architect with deep expertise in financial services who thrives in dynamic, collaborative environments. If you have a passion for building resilient systems that delight users and drive business growth, join us in Wilmington to architect the next generation of Chase credit card experiences. This role not only provides intellectual challenge but also the chance to grow within a supportive culture that values diversity, inclusion, and professional development.

Key Responsibilities

• Lead the architectural design and evolution of digital customer experiences for JP Morgan Chase credit card products, ensuring seamless integration across mobile, web, and backend systems
• Collaborate with product managers and engineering teams to define technical roadmaps that enhance user engagement and transaction efficiency
• Drive the adoption of modern cloud technologies and microservices to support scalable, resilient card issuance and management platforms
• Ensure all architectures comply with regulatory standards such as PCI DSS, GDPR, and internal JP Morgan risk frameworks
• Mentor junior architects and developers, fostering a culture of innovation and best practices in software design
• Conduct technical assessments and proof-of-concepts for new features like real-time fraud detection and personalized rewards programs
• Partner with data analytics teams to incorporate AI-driven insights into customer experience architectures
• Monitor system performance and lead optimization efforts to reduce latency in digital card interactions
• Facilitate cross-team workshops to align on architectural decisions impacting the broader Chase consumer banking ecosystem

Required Qualifications

• Bachelor's degree in Computer Science, Information Technology, or a related field; Master's degree preferred
• 10+ years of experience in software architecture, with at least 5 years focused on financial services or payment systems
• Proven track record in designing scalable digital platforms for consumer banking products, particularly credit cards
• Deep expertise in cloud-native architectures and microservices in a regulated financial environment
• Experience leading cross-functional teams in agile environments to deliver customer-facing digital experiences
• Strong understanding of PCI DSS compliance, data security, and fraud prevention in card products
• Ability to collaborate with product, engineering, and compliance stakeholders in a large-scale enterprise

Preferred Qualifications

• Experience with JP Morgan Chase's technology stack or similar enterprise financial systems
• Certification in AWS, Azure, or Google Cloud architecture
• Background in designing APIs for mobile and web applications in the fintech sector
• Knowledge of emerging technologies like AI/ML for personalized customer experiences in banking

Required Skills

• Expertise in enterprise architecture frameworks like TOGAF or Zachman
• Proficiency in cloud platforms such as AWS or Azure for financial applications
• Strong knowledge of microservices, API design (RESTful/GraphQL), and event-driven architectures
• Experience with Java, Python, or similar languages in backend development
• Understanding of database technologies including SQL/NoSQL for transaction processing
• Skills in DevOps tools like Docker, Kubernetes, and CI/CD pipelines
• Familiarity with security protocols and encryption for payment systems
• Analytical problem-solving and systems thinking in complex environments
• Excellent communication and stakeholder management abilities
• Agile methodologies and tools like Jira or Confluence
• Knowledge of big data technologies for customer analytics in banking
• Leadership in guiding technical strategy and team collaboration
• Adaptability to fast-paced, regulated financial services landscape
• Experience with UX/UI principles for digital product design

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through internal training and tuition reimbursement
• Employee stock purchase plan and financial wellness programs
• On-site fitness centers and wellness initiatives at Wilmington facilities
• Flexible work arrangements including hybrid remote options

JP Morgan Chase is an equal opportunity employer.