Damilola – Python, React, AWS

An AI-driven consumer lending platform that enables customers in emerging markets to finance smartphones and access credit without a traditional credit history or bank account. The platform uses alternative data and machine learning-based risk assessment to make real-time lending decisions while managing the entire loan lifecycle, from application and approval to repayments and collections. It serves millions of users across multiple countries through integrations with financial institutions, payment providers, and retail partners, delivering seamless point-of-sale financing.

• Designed and implemented a creditworthiness assessment system integrating with third-party financial APIs and analyzing users’ monthly financial statements across 13M+ customers in 7 countries to drive automated risk decisions;
• Reduced company risk exposure by 15% by developing Python and Node.js services, leveraging Laravel for backend orchestration and AWS for infrastructure;
• Collaborated with frontend engineers to deliver redesigned application interfaces using Vue.js, improving workflows for 10,000+ phone vendors and contributing to a 200% increase in user engagement;
• Collaborated with team members to build a biometric KYC verification system matching government IDs with selfies to detect stolen identities before device disbursement, reducing identity fraud by 25%;
• Collaborated with team members to enhance the device financing backend by integrating Samsung Knox for automated device locking on payment default, serving 2M+ customers across Latin America and reducing the loan default rate by 25%;
• Built analytics dashboards in React to visualize engagement and retention metrics across 50,000+ records, enabling data-driven decisions that improved strategic outcomes by 30%;
• Developed an internal RAG-based AI knowledge system using Python, FastAPI, Microsoft Azure, PostgreSQL, vector embeddings, and LLM APIs, indexing 30,000+ structured and unstructured documents to provide semantic search, summaries, and context-aware responses;
• Built an AI-powered chatbot using Python, FastAPI, modern LLM APIs, SQL Server, PostgreSQL, and unstructured data sources to support production-ready contextual conversations.

A logistics and e-commerce platform that helps online merchants automate shipping operations from order creation to final delivery. The platform integrates with e-commerce marketplaces, courier providers, and payment systems, enabling businesses to manage orders, compare shipping rates, generate shipping labels, track shipments, process returns, and analyze delivery performance from a unified dashboard. It supports high-volume shipment processing for e-commerce sellers, retailers, and logistics partners across multiple sales channels.

• Integrated QR codes into shipping invoices for 200,000+ merchant accounts, leveraging Amazon S3 for secure document storage and AWS Lambda for automated invoice processing, reducing fraudulent transactions by 90%;
• Improved database performance by 50% through SQL and Eloquent query optimization, database normalization, indexing, AWS RDS performance tuning, and ElastiCache for query caching, supporting 10M+ shipments processed monthly;
• Revamped the COD remittance module, reducing vendor payout time from five days to 24 hours by implementing event-driven workflows with Amazon SQS, Amazon SNS, background workers, and automated reconciliation processes;
• Designed and deployed an advanced booking service using a microservices architecture on Amazon ECS and Kubernetes, integrating API Gateway, Amazon RDS, and ElastiCache, improving system speed and response time by 70%;
• Led the implementation of a promotion service using AWS Lambda, DynamoDB, and Amazon SQS for scalable rule processing and real-time discount validation across millions of monthly transactions;
• Introduced structured code review and CI/CD practices using GitHub Actions integrated with AWS CodeDeploy, significantly reducing production-bound defects;
• Refactored legacy components following DRY and OOP principles, containerized services with Docker, and deployed them on Amazon ECS and Kubernetes to improve maintainability and scalability.

A logistics and e-commerce platform that enables online merchants to automate the entire shipping lifecycle, from order creation to final delivery. The platform integrates with e-commerce marketplaces, courier providers, and payment systems, allowing businesses to manage orders, compare shipping rates, generate shipping labels, track shipments, process returns, and monitor delivery performance through a unified dashboard. It supports high-volume shipment processing for e-commerce sellers, retailers, and logistics partners across multiple sales channels.

• Integrated QR codes into shipping invoices for 200,000+ merchant accounts, leveraging Amazon S3 for secure document storage and AWS Lambda for automated invoice processing, reducing fraudulent transactions by 90%;
• Improved database performance by 50% through SQL and Eloquent query optimization, database normalization, indexing, AWS RDS performance tuning, and ElastiCache for query caching, supporting 10M+ shipments processed monthly;
• Revamped the COD remittance module, reducing vendor payout time from five days to 24 hours by implementing event-driven workflows with Amazon SQS, Amazon SNS, background workers, and automated reconciliation processes;
• Designed and deployed an advanced booking service using a microservices architecture on Amazon ECS and Kubernetes, integrating API Gateway, Amazon RDS, and ElastiCache, improving system speed and response time by 70%;
• Led the implementation of the promotion service using AWS Lambda, DynamoDB, and Amazon SQS for scalable rule processing and real-time discount validation across millions of monthly transactions;
• Introduced structured code review and CI/CD practices using GitHub Actions integrated with AWS CodeDeploy, significantly reducing production-bound defects;
• Refactored legacy components following DRY and OOP principles, containerized services with Docker, and deployed them on Amazon ECS and Kubernetes to improve maintainability and scalability.

A digital lending and Buy Now, Pay Later (BNPL) platform that enables consumers to access instant credit, finance purchases through flexible installment plans, and manage repayments through web and mobile applications. The platform supports digital onboarding, identity verification, real-time credit assessment, loan origination, payment processing, repayment tracking, and collections, serving individual customers, merchants, and financial institutions throughout the lending lifecycle.

• Developed the first credit card system in Nigeria, serving more than 300,000 users;
• Designed and implemented a module to analyze credit card user behavior;
• Developed the statistics module by writing complex SQL queries;
• Resolved payment-related issues, preventing financial losses for the business;
• Developed the frontend for an affiliate system that acquired more than 20,000 users;
• Developed a fractional charging module, increasing collections by 40%;
• Participated in migrating the platform from a monolithic architecture to microservices as part of the payment team;
• Participated in implementing a queuing system within the microservices architecture;
• Led a team of seven developers to deliver CredPal Cash, increasing company liquidity by 50% and customer retention by 40%;
• Designed and implemented a fractional charging module, resulting in a 40% increase in collections and a 60% reduction in debt.