Job Overview
Remote Chief Architect – Open Finance & Programmable Credit Infrastructure – Sultanate of Oman
Location: Remote (In strategic alignment with Oman’s Capital Market Authority, Central Bank Open Finance Division, and National Digital Transformation Authority)
Position Type: Full-Time Strategic Infrastructure Role
Domain: Open Banking, Programmable Credit Rails, API Governance, Credit-as-a-Service (CaaS), Micro-Lending Intelligence
Role Summary:
We are seeking a Chief Architect to lead the strategic blueprint and remote deployment of Oman’s future-facing Open Finance and Programmable Credit Infrastructure. This pioneering role is tasked with engineering a nation-scalable, API-native platform that facilitates real-time credit issuance, customized micro-finance products, and intelligent credit scoring models delivered through open data ecosystems.
You will be the lead architect of Oman’s first Credit-as-a-Service (CaaS) orchestration layer, integrating banking APIs, telecom data, merchant POS analytics, behavioral scoring algorithms, and decentralized credit vaults—designed for both inclusionary lending and high-velocity SME financing.
Key Responsibilities:
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Design and oversee the full-stack technical architecture of a modular credit engine, embedded within Oman’s open banking APIs and digital financial services ecosystem.
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Deploy intelligent credit decisioning algorithms based on machine learning, telco signal data, transaction metadata, and psychometric profiling to support underbanked individuals and micro-entrepreneurs.
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Construct a national Programmable Credit Registry, enabling fintechs to issue real-time credit lines, digital BNPLs, and conditional financing tied to behavioral and sectoral performance.
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Integrate credit risk visualization dashboards, default heat maps, and debt sustainability scores across lenders, regulators, and social credit intermediaries.
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Coordinate with Oman’s central credit bureau, telecom authority, and SME financing units to unify access, governance, and ethical automation standards for credit issuance.
Ideal Profile:
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15+ years in credit systems engineering, API governance, or fintech architecture roles; with demonstrable experience in credit scoring model deployment or digital lending platform design.
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Proficiency in open banking frameworks (e.g., UK OBIE, MENA OB standards), FHIR-based APIs, consent-driven data models, and CaaS microservices architecture.
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Experience in low-credit footprint environments, ideally with GCC context; fluency in ethical AI use for financial decisioning.
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Ability to design sovereign-grade digital infrastructure under regulatory compliance with real-time adaptive logic and digital financial inclusion mandates.
Why Oman?
Oman is launching a new phase of financial inclusion through open finance. As Chief Architect, you will design the nation’s programmable credit blueprint—delivering real-world access to finance through tech infrastructure that is modern, ethical, and profoundly inclusive.
Are you excited about this opportunity?
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