SOFTWARE ENGINEER

Backend engineer with 5+ years building production-grade financial systems across fintech, banking, and enterprise platforms. I specialise in payment processing, wallet infrastructure, distributed systems, and multi-provider integrations using Node.js, TypeScript, C#, and .NET.

5+ Years Experience

20+ Technologies

2 Cloud Platforms

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01.

About Me

I'm a backend engineer and Head of Engineering with over five years of experience building secure, scalable, and reliable systems in fintech, banking, and data-driven platforms. My work sits at the intersection of complex transaction processing, distributed systems, and real-world business problems where correctness, performance, and trust matter.

Over the years, I've designed and shipped wallet infrastructures, virtual accounts, payment pipelines, ledger-based systems, and analytics platforms used in production environments handling high transaction volumes. I have hands-on experience with Node.js, TypeScript, C#, ASP.NET Core, SQL-based systems, and cloud platforms like AWS and Azure. I'm especially comfortable working on mission-critical financial systems where idempotency, reconciliation, auditability, and failure handling are non-negotiable.

Beyond IC work, I've grown into engineering leadership — setting technical direction, driving architecture decisions, and managing cross-functional teams to deliver across web and mobile platforms. I collaborate closely with founders, product managers, and stakeholders to turn product ideas into stable, scalable systems while keeping teams productive and codebases maintainable.

I care deeply about clean architecture and developer productivity. I've migrated monoliths to microservices, optimized database performance with advanced SQL and stored procedures, set up CI/CD pipelines, and built internal tools that make teams faster and systems more reliable.

I'm driven by impact, clarity, and continuous improvement. Whether it's fintech, marketplaces, or data-heavy platforms, I enjoy solving hard backend problems and building systems people can trust.

Technologies I work with

TypeScript
JavaScript (ES6+)
C#
SQL
Node.js
Express.js
NestJS
ASP.NET Core
.NET
Entity Framework Core
Hangfire
React
Redux
HTML5
CSS3
Tailwind CSS
SQL Server
MySQL
PostgreSQL
MongoDB
AWS (EC2)
Azure (VMs)
GitHub Actions
RabbitMQ

02.

Experience

Head of Engineering · PennyTree

Feb 2026 - Present

Lead technical strategy, architecture, and execution of software products ensuring scalable, secure, and high-performance systems aligned with business objectives.
Manage cross-functional engineering teams and drive delivery of solutions across web and mobile platforms.

Lead Backend Engineer · Trade Treegar

Oct 2025 - Feb 2026

Engineered a virtual accounts platform with ASP.NET Core, Entity Framework, and SQL Server supporting onboarding, KYC verification, role-based admin workflows, and account management.
Designed ledger-based transaction flows for wallet funding, P2P transfers, and payouts with balance updates, histories, idempotency checks, and webhook reconciliation.
Built a configurable inflow fee engine with global and per-customer percentage fees, caps, audit trails, and product-mapped fee transactions.
Implemented safe transaction reversals with schema changes, stored procedures, audit logging, and secured API endpoints.
Delivered payout pipelines with queue-based approvals, duplicate guards, provider routing, minimum thresholds, and non-reverting debit logic.
Architected a distributed background job processing system using Hangfire and SQL Server with atomic job claiming, exponential backoff retry, in-progress timeout recovery, and configurable batch throttling across 5 concurrent financial job pipelines.
Engineered a daily interest accrual engine computing compound interest per-wallet per-month with automatic prior-period payout detection, batch processing, and concurrent execution guards for exactly-once financial writes.
Built a scheduled and recurring payment processor supporting one-time, weekly, and monthly schedules for P2P and external payout flows, with per-attempt idempotency keys and distributed execution locking.
Designed a multi-provider payment abstraction layer (Polaris, VFD) using the Strategy pattern with a runtime ProviderResolver, enabling seamless provider switching per tenant without modifying core business logic.
Implemented a webhook delivery system with HMAC-SHA256 payload signing, retry scheduling, and idempotency tracking to guarantee secure and reliable event delivery to customer endpoints.

Lead Backend Engineer · Atunlo

Sep 2024 - Jul 2025

Designed backend architecture with secure role-based authentication and sessions.
Built APIs for staff management, agent onboarding, collections, payments, and analytics supporting field and offline workflows.
Implemented data aggregation pipelines for dashboards covering agent performance, collection summaries, disbursement tracking, and retail metrics.
Developed dynamic filtering across date ranges, staff, agents, materials, and reporting periods.
Built a collection logging backend with auto-calculation of amounts due, prepayment handling, multi-material support, and image uploads.

Software Engineer · PennyTree

Jan 2022 - Feb 2026

Built and maintained a financial operations dashboard using React and C#, improving support efficiency and reconciliation accuracy.
Migrated monolithic services into scalable microservices using Node.js and .NET.
Optimized SQL Server performance with stored procedures, views, and functions to reduce query latency.
Integrated multiple payment gateways to securely process high-volume transactions and collections.
Built messaging and notification services with Node.js and RabbitMQ for email and push.
Established CI/CD pipelines with GitHub Actions; delivered a bank transfer module and Slack monitoring for gateway uptime.
Designed and implemented a full multi-currency investment lifecycle system supporting fixed-term vaults (30–360 days) and unit-based marketplace investments, with configurable interest rates, daily accrual, top-ups, and auto-renewal at maturity.
Built partial and full liquidation flows with early withdrawal penalty logic, configurable fee caps, principal/interest separation, and multi-currency wallet crediting.
Designed and deployed an automated Slack bot to track payment gateway uptime, detect anomalies, and alert engineering teams in real time.

Backend Engineer · IVantage Technologies

Jun 2024 - Sep 2024

Built and maintained a versioned internet banking API using Fastify and TypeScript.
Implemented account lookup, beneficiary management, transfers, and transaction history; integrated core banking links for balances and transfers.
Improved processing pipelines for high-volume financial operations.
Built a Fastify and TypeScript backend for BuildConnect covering authentication, project publishing, bidding, meetings, and document uploads.
Delivered media handling with Cloudinary presigned uploads and verification workflows.
Added scheduling features, lookup data management, OpenAPI docs, and Docker Compose tooling.

Lead Backend Engineer (Contract) · The Ajo App

May 2023 - Jan 2024

Architected savings, wallet, and P2P APIs using Node.js, Azure, MySQL, and Firebase.
Collaborated with founders on product scope, timelines, and delivery strategy.
Engineered a secure transaction platform with strict validation and idempotent flows.
Integrated Stripe webhooks and payment intents to boost success rates and reduce manual reconciliation.
Built contribution and challenge savings with leaderboards and transaction history.
Implemented template-driven challenges with recurring debits, retries, and end-of-cycle payouts.
Performed testing, bug fixes, and documentation to improve reliability.

Lead Backend Engineer (Contract) · Monzone Credit Limited

Feb 2024 - Sep 2024

Built backend REST APIs for wallets, savings, P2P transfers, bill payments, and virtual cards.
Integrated banking and payments providers (Providus, VFD, Wema, Paystack, Flutterwave) for account creation, payouts, funding webhooks, and bill validation.
Built a USD virtual card lifecycle with Passpoint issuance, activation, funding, transactions, and freeze or unfreeze tied to wallet fees.
Automated savings operations, interest accrual, vault maturity, schedules, wallet and card debits, failed debit handling, and referral payouts via cron jobs.
Implemented background processing with RabbitMQ workers for payouts, bill processing, reversals, and notifications.
Delivered KYC and business verification (BVN, NIN, RC) with SeamFix and Smile Identity, document uploads, and account upgrades.
Automated operations with Slack bots for payment alerts, payouts, and customer requests.

Full-Stack Engineer · Dufana Code Camp

Oct 2019 - Dec 2021

Co-built an enterprise facility management platform enabling residents to handle transactions via a mobile app.
Built an admin dashboard for real-time data visualisation and reconciliation.
Developed user interfaces with React and Tailwind CSS for dashboards and analytics tools.

03.

Selected Projects

Most of my production work — payment systems, wallet infrastructure, ledger engines, and distributed financial services — lives on private company repositories. The projects below are personal builds that showcase my range across the stack.

Featured Project

A Simple Diary Web App

A MERN stack diary platform for creating public and private entries, complete with Google authentication and curated imagery from the Pexels API.

React
Redux
Node.js
Express
MongoDB
Google OAuth

Featured Project

Spotify Stats Web App

A personalised dashboard that visualises Spotify listening history with top artists, tracks, recently played songs, and deep audio features.

React
TypeScript
Node.js
Express
Spotify API
Styled Components

Featured Project

Ecommerce Store

A full-stack ecommerce experience with secure payments, product management, and a performant React front-end backed by Node.js and MongoDB.

React
Node.js
Express
MongoDB
PayPal API

Other Noteworthy Projects

Covid-19 Short Details

Track essential Covid-19 stats for any country with clear visual summaries powered by public data APIs.

React
REST API

React Image Gallery

An immersive gallery experience with search and masonry layouts, built with React, Tailwind CSS, and the Unsplash API.

React
Tailwind CSS
Unsplash API

Pure React Calculator

A lightweight calculator with keyboard support implemented entirely in React and vanilla JavaScript.

React
JavaScript

04.

Get In Touch

I’m always open to collaborating on new projects or talking through ideas. Whether you’re building something new or need help scaling what you already have, feel free to reach out.

Say Hello