Pennymac (NYSE: PFSI) is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. mortgage loans and the management of investments related to the U.S. mortgage market. 

At Pennymac, our people are the foundation of our success and at the heart of our dynamic work culture. Together, we work towards a unified goal of helping millions of Americans achieve aspirations of homeownership through the complete mortgage journey.

Pennymac is accelerating its digital transformation across the mortgage lifecycle — and we are seeking a forward-thinking Enterprise Architect who brings an AI-first mindset to reimagine how technology powers loan origination — driving smarter, faster, and more intuitive experiences for our customers and teams.This role blends core enterprise architecture expertise (scalability, security, reliability, and developer experience) with leadership in AI-driven modernization. The Architect will drive the end-to-end technical vision, from designing robust cloud-native systems to embedding intelligent, AI-enhanced workflows that improve productivity, accuracy, and time-to-close.

You will serve as the bridge between technology strategy and execution, ensuring our architecture supports business growth, operational excellence, and innovation through automation and intelligence.

Responsibilities:

• Define and evolve the end-to-end architecture for Loan Originations platforms across customer, workflow, and data layers.
• Design cloud-native, event-driven systems leveraging AWS, Node.js, TypeScript, Python, and React for scalability and resilience.
• Own architecture for non-functional requirements (NFRs) — including performance, availability, observability, and cost efficiency.
• Partner with engineering leadership to define technical roadmaps and modernization strategies.
• Architect and operationalize AI solutions across document processing, underwriting, credit decisioning, and loan workflow orchestration.
• Implement agentic AI systems using AWS Bedrock, LangChain, or similar frameworks for autonomous workflow execution.
• Embed AI copilots and code assistants to improve engineering velocity, quality, and defect prevention.
• Build retrieval-augmented generation (RAG) patterns for secure, explainable, and contextual LLM applications.
• Drive modernization from monolith to microservices and event-based architectures.
• Establish standards for API-first design, infrastructure-as-code (IaC), and serverless computing.
• Partner with DevOps teams to enhance observability, CI/CD automation, and cloud cost optimization.
• Champion Agile delivery excellence, ensuring architecture aligns with iterative development and incremental business value delivery.
• Enforce architecture governance ensuring all systems meet Pennymac’s standards for security, auditability, and compliance.
• Implement Responsible AI frameworks ensuring transparency, fairness, and explainability in automated decisions.
• Define model and data governance policies for AI and analytics systems in production.
• Partner with product, data, and business stakeholders to translate objectives into scalable technical designs.
• Mentor engineers and solution architects in modern architecture patterns and AI adoption.
• Contribute to Pennymac’s AI Center of Excellence, sharing best practices across the enterprise.

• Bachelor’s degree in Computer Science or related field, or equivalent work experience, MS a plus
• 15+ years of progressive experience in software architecture, engineering, or platform strategy roles.
• Strong hands-on expertise in:
• Programming: Python, TypeScript, Node.js, React
• Cloud: AWS (Lambda, ECS, S3, DynamoDB, Step Functions, Bedrock, SageMaker)
• Architecture: Event-driven systems, microservices, APIs, and distributed design
• Proven experience defining NFRs — performance, scalability, reliability, and cost optimization.
• Experience in AI and GenAI system design, including LLM integration, RAG, and MLOps.
• Working knowledge of agentic AI frameworks (LangChain, Bedrock Agents, AutoGPT, etc.).
• Deep familiarity with Agile delivery, including backlog-driven iteration, architecture runway, and cross-functional alignment.
• Strong communication and leadership skills with ability to influence architecture across multiple teams.

As one of the top mortgage lenders in the country, Pennymac has helped over 4 million lifetime homeowners achieve and sustain their aspirations of home. Our vision is to be the most trusted partner for home. Together, 4,000 Pennymac team members across the country are guided by our core values: to be Accountable, Reliable and Ethical in all that we do. Pennymac is committed to conducting a business that makes positive contributions and promotes long-term sustainable growth and to fostering an equitable and inclusive environment, where all employees and customers feel valued, respected and supported. 

Benefits That Bring It Home: Whether you're looking for flexible benefits for today, setting up short-term goals for tomorrow, or planning for long-term success and retirement, Pennymac's benefits have you covered. Some key benefits include: 

• Comprehensive Medical, Dental, and Vision
• Paid Time Off Programs including vacation, holidays, illness, and parental leave 
• Wellness Programs, Employee Recognition Programs, and onsite gyms and cafe style dining (select locations)
• Retirement benefits, life insurance, 401k match, and tuition reimbursement 
• Philanthropy Programs including matching gifts, volunteer grants, charitable grants and corporate sponsorships

To learn more about our benefits visit: https://pennymacnews.page.link/benefits

For residents with state required benefit information, additional information can be found at: https://www.pennymac.com/additional-benefits-information

Compensation: Individual salary may vary based on multiple factors including specific role, geographic location / market data, and skills and experience as defined below:

• Lower in range - Building skills and experience in the role
• Mid-range - Experience and skills align with proficiency in the role 
• Higher in range - Experience and skills add value above typical requirements of the role 

Some roles may be eligible for performance-based compensation and/or stock-based incentives awarded to employees based on company and individual performance. 

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