Bridging Financial Domain Expertise with Systems Thinking and Hands-on Technology
👨💼 About • 🚀 Projects • ⭐ Flagship • 🏦 Finance • 📊 Analysis • 💻 Technology • 🎯 Approach • 📈 Activity
I'm a Techno-Functional Financial Systems Professional with a professional foundation in Banking, Finance, Credit Operations, and Financial Systems, combined with experience in Business Analysis, Systems Analysis, and financial technology.
My experience spans Corporate & SME Finance, Factoring, Supply Chain Finance, Syndicated Finance Operations, Credit Control, Collections, Reconciliation, Financial Controls, System Implementation, UAT, Data Migration, and Process Improvement. I use this domain experience to analyse financial processes, translate business needs into system requirements and controls, and take those requirements further into practical financial technology solutions.
| Perspective | What I Bring | |
|---|---|---|
| 🏦 | Banking & Finance | Financial products • Credit operations • Risk • Controls • Collections • Reconciliation |
| 📊 | Business & Systems Analysis | Requirements • Processes • Business rules • Workflows • Data • Integrations • UAT |
| 💻 | FinTech & Financial Systems | APIs • Databases • Financial logic • System controls • Working financial applications |
I understand the financial transaction, analyse the business requirement, translate it into system behaviour, and can take it further into a working financial system.
My projects translate real financial processes into working systems — combining financial domain knowledge, business analysis, controls, system design, and technology.
| 💳 Retail Credit Platform | 🏦 Factoring & SCF | 🏢 Nexus ERP | |
|---|---|---|---|
| Domain | Retail Credit & Installment Sales | Receivables Finance | Enterprise Finance & Operations |
| Business Flow | Application → Credit → Contract → Collection | Invoice → Financing → Collection | Operations → Finance → Accounting |
| Core Focus | Credit • Pricing • Payments • Collections • ECL | Exposure • Financing • Recourse • Reconciliation | Accounting • Credit Control • Enterprise Operations |
| Technology | FastAPI • PostgreSQL • React • TypeScript | FastAPI • PostgreSQL • React | Financial & ERP System Design |
| Repository | Explore → | Explore → | Explore → |
An end-to-end financial platform designed around the lifecycle of selling physical products through installment plans — from application and credit assessment through contracting, payments, collections, risk monitoring, and closure.
Application → Credit Assessment → Decision
⬇️
Pricing & Offer → Contract → Delivery
⬇️
Receivable → Payments → Delinquency
⬇️
Collections → ECL & Provision → Settlement / Closure
| Area | System Capabilities |
|---|---|
| 👤 Origination | Customer • Application • Product • Credit Request |
| 📊 Credit Assessment | DBR • Affordability • Exposure • Automated Decisioning |
| 💰 Pricing | Configurable Pricing • Profit Calculation • Installment Schedule |
| 📑 Contracts | Contract Creation • Schedule • Financial Obligations |
| 💳 Payments | Payment Processing • Allocation • Bank Reconciliation |
| 📉 Delinquency | DPD • Late Fees • Overdue Monitoring |
| 📞 Collections | Collection Cases • Promise-to-Pay • Follow-up |
| 🧮 Risk | ECL Architecture • Stage Determination • Provisioning Concepts |
| 🔐 Controls | Maker-Checker • RBAC • Audit Trail • Business Validations |
| 🔗 Finance | Accounting Events • Financial History • Reconciliation |
My professional foundation comes from hands-on experience across banking, credit, financing, receivables, collections, and financial operations.
Credit Operations • Corporate & SME Finance • Credit Assessment
Factoring • Supply Chain Finance • Syndicated Finance Operations
Retail Installment Sales • Credit Control • Exposure Management
Collections • Receivables Management • Payment Allocation
Reconciliation • Bank Reconciliation • Portfolio Monitoring
DPD & Delinquency • Financial Controls • Accounting Workflows
IFRS 9 / ECL Concepts • Provisioning • Credit Risk Concepts
Maker-Checker • Approval Workflows • Audit Trail
Business Validations • Exception Controls • Role-Based Access
System Implementation • UAT • Data Migration
Process Improvement • Operational Controls • Financial Workflows
My financial domain experience allows me to approach Business and Systems Analysis with an understanding of both the business transaction and its financial impact.
I translate business needs into structured requirements and define how those requirements should behave across processes, systems, data, integrations, controls, and user roles.
| Area | Capabilities |
|---|---|
| 📝 Requirements | Business Requirements • Functional Requirements • BRD • FSD |
| 🔄 Process Analysis | Process Mapping • Current State • Future State • Gap Analysis |
| 📐 Business Logic | Business Rules • Financial Rules • Decision Logic • Validation Rules |
| 👤 Agile Delivery | User Stories • Acceptance Criteria • Jira • Backlog Analysis |
| 👥 Stakeholders | Requirement Elicitation • Stakeholder Analysis • Business / IT Coordination |
| 🧪 Testing | UAT • Test Scenarios • Defect Analysis • Requirement Validation |
| Area | Capabilities |
|---|---|
| 🔄 System Behaviour | Workflows • Status Transitions • Functional Design |
| 🔗 Integrations | API Requirements • System Integrations • Data Exchange |
| 🗃️ Data | Data Mapping • Data Requirements • Migration • Validation |
| 🔐 Controls | RBAC • Maker-Checker • Approval Rules • Audit Requirements |
| Exception Handling • Reversals • Edge Cases • Error Scenarios | |
| 💰 Financial Logic | Financial Calculations • Accounting Events • Reconciliation Controls |
Financial Transaction
↓
Business Process
↓
Business Requirement
↓
Business Rules
↓
Functional Design
↓
System Behaviour
↓
Data & Integration
↓
Controls & Access
↓
Testing / UAT
↓
Business Solution
The financial domain tells me what the transaction means. Business Analysis defines what the business needs. Systems Analysis defines how the solution should behave.
My technical experience complements my financial and analytical background, helping me understand how business requirements are translated into system logic, APIs, data models, integrations, controls, and working applications.
| Area | Technologies & Concepts |
|---|---|
| ⚙️ Backend & APIs | Python • FastAPI • REST APIs • Business Logic |
| 🗃️ Data | PostgreSQL • SQL • SQLAlchemy • Alembic • Data Modelling |
| 🖥️ Frontend | React • TypeScript • Vite |
| 🔗 Integration | APIs • Data Exchange • System Integration Concepts |
| 🚀 Development | Docker • Git • GitHub • Testing |
| 📊 Business & Analytics | Advanced Excel • Power Query • Power BI • Jira |
My objective is not technology in isolation — it is using technology to understand, design, validate, and build better financial systems.
My approach to financial systems combines four connected perspectives:
| Perspective | What It Adds |
|---|---|
| 🏦 Financial Domain | Understanding the transaction, product, operational process, financial impact, and business context |
| 📊 Business Analysis | Translating business problems into requirements, processes, rules, and acceptance criteria |
| ⚙️ Systems Analysis | Defining workflows, data, integrations, validations, roles, controls, exceptions, and system behaviour |
| 💻 Technology | Understanding how requirements become APIs, databases, application logic, interfaces, and working solutions |
When analysing a financial process, I look beyond the individual screen or isolated requirement and consider the complete business, financial, operational, and system impact.
| Perspective | Question |
|---|---|
| 💼 Business | What business problem are we solving? |
| 💰 Finance | What is the financial impact of the transaction? |
| ⚙️ System | Which system owns the transaction and its status? |
| 🔗 Integration | How does information move between systems? |
| 👥 Access | Who can initiate, approve, reject, or reverse it? |
| 🛡️ Controls | What validations, limits, and approvals are required? |
| What happens when the normal process fails? | |
| 🔍 Audit | What information must remain traceable and auditable? |
| 🔧 Configuration | What should be configurable rather than hard-coded? |
| 🧪 Testing | How do we prove that the solution meets the business requirement? |
Understand the Business • Analyse the Requirement • Design the System • Build the Solution
| Financial Domain | Business & Systems | Technology & Growth |
|---|---|---|
| Banking & Credit | Techno-Functional Analysis | FinTech Architecture |
| Corporate & SME Finance | Financial System Design | Backend & API Concepts |
| Factoring & SCF | Business Process Design | System Architecture |
| Retail Installment Sales | APIs & Integrations | Automation |
| Collections | UAT & Agile Delivery | AI in Financial Services |
| Reconciliation | Controls & Auditability | Data & AI Concepts |
| Credit Risk & ECL | Requirements Engineering | Financial Technology |
I'm particularly interested in opportunities where Financial Domain Expertise, Business & Systems Analysis, FinTech, and Technology intersect.
My professional direction is focused on roles where I can combine real-world financial experience with techno-functional analysis and technology to contribute to the design, transformation, and delivery of financial systems and digital financial solutions.
Financial Systems • FinTech • Banking Technology
Business & Systems Analysis • Techno-Functional Analysis
Credit Technology • Financial Technology Transformation
Digital Finance • AI in Financial Services