Fifteen years building and scaling distributed systems, across the industry's move from bare-metal servers and monoliths to cloud-native, Kubernetes and GitOps. I take on the work teams postpone: paying down technical debt, building deployment from nothing, and keeping systems running.
Six shifts the industry has since packaged and sells ready-made. I worked through them before anything was ready-made.
Credit Africa Invest
Lending · 2022 · Sole developer, front end and back end
Situation
A loan application took days: the form, the checks and the decision all passed through people.
What was done
Built the lending platform — a scoring questionnaire, a loan calculator, and integration with the bank APIs behind the decision.
What was built
Online lending platform
Scoring questionnaire feeding the decision
Loan calculator
Integration with the bank APIs behind the approval
In numbers
Application processing: ~2 days → ~5 min — From a couple of days to a couple of minutes
Decision path: scoring form to bank API to answer
What changed
An application is processed in minutes rather than days.
Why it was hard
The delay was never the arithmetic. The form, the checks and the decision each passed through a person, so removing days meant removing hand-offs rather than speeding up a calculation.
A lending decision is answered by external systems on their own schedule, so the flow had to stay coherent when an upstream API was slow or unavailable rather than leave an applicant watching a spinner.
Evidence
Delivered under contract. The source and the internal measurements stay with the client, and the figure above is theirs rather than a public benchmark.