Majhar

Sr Software Engineer

Fintech • Fulltime

Nov 2023 - Jul 2026 • 2 yrs 8 mos

Build, maintain, and scale a Buy Now Pay Later platform serving Malaysian consumers and merchants — owning core payment, credit, and merchant-integration surfaces. Built KYC onboarding and identity verification pipelines integrating third-party providers, document checks, and risk signals. Built an AI-driven auto-limit assignment engine that infers a starting credit limit from user profile signals and credit history at onboarding — removing manual underwriting from the new-user path. Designed an AI-driven credit assignment engine for Increase-Limit applications — automating decisioning that previously required manual review. Re-architected scheduled jobs (repayment runs, late-fee accruals, statement generation) to be horizontally scalable and idempotent under retries. Upgraded and scaled the Pay Now and Installment payment flows — improving throughput, reducing failed transactions, and tightening reconciliation. Owned merchant integration: onboarding APIs, checkout SDK contracts, settlement workflows, and partner-facing webhooks.