Ihor – Java, React, Next.js

A leading European fintech group focused on digital consumer finance, combining lending, payments, and insurance solutions. The company operates primarily in emerging markets, delivering consumer loans and financial services through end-to-end digital channels, mobile apps, and integrated payment solutions.

• Designed and launched a revolving Line of Credit product (reusable credit limit) across multiple markets, enabling on-demand draws via mobile app, ATM cash-out, and bank transfer. Increased recurring usage and ACP while maintaining strict affordability, KYC, and AML controls;
• Built and rolled out an Upsell & Auto-Refinancing flow embedded into the loan application journey. The Moldova pilot delivered a 22% increase in loan duration and payout, +€120k in incremental revenue, and measurable net-profit uplift within the first 6 months;
• Replaced an internal credit decision engine with Taktile (low-code/no-code), giving the Credit Risk team full ownership of rules, segmentation, and A/B testing. Improved returning-customer approvals by ~10% and unlocked engineering capacity for faster product iteration;
• Designed secure ATM repayment flows using OTP-based authorization, enabling both borrowers and third parties to repay loans via partner terminals. Expanded repayment channels and reduced operational and support overhead;
• Led engineering modernization initiatives, including migration to GitLab trunk-based development, enforcing code quality standards, introducing end-to-end monitoring (Grafana), and improving release velocity for revenue-critical features;
• Acted as a technical product partner, collaborating directly with Heads of Product, Credit Risk, UX, and country teams to deliver end-to-end solutions from concept to production in regulated fintech environments.

A greenfield microservices data platform for one of the world’s largest fashion retailers, aggregating and enriching sales, logistics, and warehouse data to enable real-time analytics and end-to-end supply chain visibility.

• Scaled and optimized backend processing to reliably handle 1.4M+ monthly requests in production, serving 13 consumer applications, 3.6K+ active users, and supporting 450+ distinct business use cases;
• Designed and implemented an internal observability and analytics platform to monitor API and endpoint behavior across 10+ enterprise tenants in near real time, enabling dynamic filtering, multi-dimensional grouping, and aggregated metrics (request volume, latency, error rates) for actionable performance and usage insights;
• Developed an event-driven ingestion and search backend using message queues (MQ/Kafka), integrating with multiple internal systems and handling the full event lifecycle, including cold-start initialization, validation, metadata enrichment, and exposure via a high-performance REST API for frontend consumption;
• Built a secure cloud-based PostgreSQL infrastructure on Azure from scratch, implementing bastion-based access, network hardening, and custom Makefile automation, reducing developer environment setup time by ~60% and improving configuration consistency across environments;
• Implemented a request normalization and hashing engine that clustered semantically similar API calls by parsing and masking payloads, improving metric aggregation accuracy by up to 30% and enabling near-real-time identification of dominant API usage patterns;
• Introduced automated regression testing targeting recurring production issues, which reduced deployment-related incidents by 33.67% and significantly lowered the number of critical post-release bugs;
• Enforced 90%+ unit and integration test coverage, increasing release confidence, reducing regression risk, and improving long-term maintainability of core backend services.

An Estonian iGaming startup backed by Austrian investors, building a greenfield, white-label platform to replace a legacy monolith with a modern, configurable system integrating gaming, payments, and compliance across regulated markets.

• Developed a daily Risk Assessment service that calculated player risk levels by monitoring financial activity and cross-checking sanction databases, improving compliance and early detection of high-risk behavior;
• Integrated Estonian secure digital authentication solutions (SmartID & MobileID) via SK ID Solutions, reducing average login time by 35% and significantly increasing adoption of strong authentication among local users;
• Designed and built a centralized real-time data storage platform (“Data Hub”) that aggregated records from core microservices (Player Accounts, Payments, Game Aggregators), providing a single source of truth for both operational and analytical data and enabling centralized access across ~70% of platform services;
• Created a database-agnostic integration library (“Data Hub Integrator”) as a pluggable Java dependency, supporting SQL and NoSQL data sources via direct DB connections or message brokers;
• Applied Factory, Strategy, and Registry patterns to enable scalable adoption across 4+ microservices;
• Developed multiple user-facing and internal web applications, including the iGaming platform UI, back-office tools, internal configuration systems, and tournament management interfaces, ensuring consistent UX across platform components;
• Enabled high-performance querying and near-real-time insights for back-office and operations teams, allowing managers to access up-to-date player and transaction data for decision-making and platform monitoring.

A back-office web application for a global logistics and supply chain company, built to help internal teams track, assign, and manage logistics operations. The platform improved operational visibility, task coordination, and efficiency across enterprise-scale transportation workflows.

• Contributed to the development of a back-office web application for a logistics platform, working closely with engineers and product stakeholders to deliver operational features used for internal tracking and task management;
• Enhanced core back-office workflows by improving data presentation, interaction patterns, and overall usability, resulting in a more efficient and intuitive experience for operations users;
• Strengthened client-side state management, enabling more reliable data handling, predictable UI behavior, and smoother interactions across complex, data-driven screens;
• Designed and implemented a set of reusable, modern UI components, improving consistency across the application and reducing development effort for new features;
• Refactored and stabilized existing frontend logic, addressing edge cases and improving maintainability of the codebase as the application evolved.