Systems I've Worked On

FINTECH · CREDIT · DATA

Credit Decisioning & Scorecard Optimisation

Worked on credit decisioning systems where multiple sources of financial and customer data had to be brought together to support lending decisions.

• Credit decisioning
• Scorecard optimisation
• Data ingestion
• Data modelling
• Decision rules
• External APIs
• Financial data
• Automation

Building the scoring model itself was the easy part. The harder problem was figuring out which data actually mattered, then pulling it in from sources that each had their own format and their own way of being unreliable at exactly the wrong moment. And the rules kept changing - what counted as relevant one quarter didn't always hold the next, so the integrations had to be built to bend without breaking.

DATA · ARCHITECTURE · MIGRATION

From Third-Party Platform to an Internally Owned System

Worked on the migration of data and business processes from a third-party platform into an internally owned system, including a complete rebuild of the underlying database.

• Data migration
• Database architecture
• Data modelling
• Schema design
• Legacy/third-party systems
• Data transformation
• System redesign
• Internal platform architecture

Copying the records across was never the hard part. The real work was untangling a data model that had been shaped by someone else's constraints, then deciding what the business actually needed instead of just rebuilding the old limitations in a new database.

Moving away from a third-party system creates an opportunity to rethink the underlying model, rather than simply reproduce the limitations of the old one.

INTEGRATIONS · API · ARCHITECTURE

Connecting Systems Through APIs

Designed and worked with APIs that connected internal systems with external providers, partners, and clients - including KYC, open banking, accounting platforms, e-signature, and credit reference agencies.

• KYC
• Open banking
• Accounting platforms
• E-signature
• Credit reference agencies

Getting two systems to talk to each other is the easy question. The harder one is how they should talk - and the same handful of concerns tend to come up regardless of which provider is on the other end.

PLATFORMS · API · B2B

White-Label Systems & External Client Platforms

Worked on white-label systems designed to allow external clients to provide services through their own branded experience while connecting to shared internal infrastructure.

• White-label architecture
• Multi-client considerations
• External APIs
• Internal services
• Data isolation
• Authentication
• Client-specific configuration
• Reusable platform capabilities

No single client integration is the hard part of a white-label platform. The hard part is the shared layer underneath - APIs and internal services that stay reusable across clients, keep each one's data properly separated, and still leave room for per-client configuration without turning into a pile of bespoke systems.

AI · AUTOMATION · SYSTEMS

AI Agents, Automation & Intelligent Workflows

More recently, I've been exploring and working with AI agents and automation, particularly where they can improve workflows, reduce manual processing, or help systems work with information that previously required human intervention.

• AI agents
• Workflow automation
• LLM-powered processes
• Human-in-the-loop systems
• Context and reliability
• AI vs deterministic automation
• Information processing
• Decision support

AI for its own sake is not the point. The more useful question is where it actually earns its place inside a system, versus where plain deterministic automation is simpler, cheaper, and more likely to just work.

Not every automation problem needs AI. Not every AI problem should be automated.