Experienced and results-driven Technical Leader with over 14 years of experience delivering scalable digital solutions across fintech and banking platforms. Adept at driving architecture decisions, full-stack engineering, and cross-functional team leadership. Currently spearheading key digital banking initiatives at Maybank, integrating microservices with cloud-native and event-driven systems. Proficient in Java, Spring Boot, Kafka, and AWS with a strong foundation in system design, DevOps collaboration, and stakeholder engagement. Passionate about mentoring, clean code, and building high-performing engineering teams.
Key Projects Delivered at Maybank:
ASNB Account Opening via MAE
• Built backend orchestration workflows for ASNB onboarding inside the MAE mobile app.
• Designed modular services for eligibility checks and investment linkage.
• Integrated with MAE frontend, ASNB backend, and intermediary middleware services.
• Implemented audit, error-handling, and SLA compliance across all stages.
• Added resilient retry mechanisms and circuit breaker patterns to ensure service reliability and fault tolerance.
• Integrated with Eureka for service discovery, and enabled user notifications via email and push messaging.
Sole Proprietor Debit Card Enablement
• Engineered backend microservices to digitally issue Sole Proprietor debit cards instantly.
• Integrated with existing core banking platforms and card systems via secure APIs.
• Implemented eligibility rules and activation logic using Drools rule engine to ensure business and regulatory compliance.
• Supported both frontend MAE app and branch-assisted issuance journeys.
• Coordinated SIT, UAT, and staging rollout in collaboration with product and QA teams.
Loan Decisioning Models – SG & MY
• Integrated machine learning models for real-time SME loan approvals (RSME SG & 500K MY).
• Consumed ML scores and returned decisions via REST APIs to upstream channels.
• Handled scoring orchestration, validation, and fallback flows for partial failures.
• Ensured data mapping with data science models and model versioning control.
• Worked with Data Science, business, and model governance teams for accurate and fast decision delivery.
• Implemented Spring Batch job to process over 1 million loan records monthly, leveraging pagination for memory-efficient processing.
M2UBiz Notification Routing
• Architected a Kafka-based push notification routing system within the CEP platform for M2UBiz SME users.
• Developed a scheduler-triggered job that executes SQL queries on core banking databases to retrieve customer and transaction data.
• Applied externalized business rules to determine notification eligibility, priority, and preferred delivery channel.
• Transformed processed data into structured payloads and published to Kafka topics for downstream consumption.
• Implemented failure handling, retry mechanisms, and guaranteed delivery logic for robust end-to-end flow.
• Led all Agile ceremonies and took full ownership of staging environment deployments and validations.
Collections Rule Engine
• Designed a YAML-configurable decision engine to power personalized debt recovery workflows across multiple banking products.
• Built Kafka consumers that listen to master topics, execute SQL queries on core banking systems, and fetch relevant overdue account data.
• Applied 80+ externalized filtering conditions through a centralized, reusable ruleset for eligibility and prioritization.
• Orchestrated logic for multiple products (credit cards, charge cards, personal loans) with dynamic rule evaluation based on account metadata.
• Published filtered and transformed payloads to Kafka topics for downstream notification and collection systems.
• Collaborated with business users to fine-tune logic, enabling quick rule changes without redeployment.
SME360 Onboarding
• Designed and developed the end-to-end onboarding flow for SME customers using Java-based microservices and Spring Boot.
• Integrated prequalification engines, party creation (search/create/update), scoring, and screening APIs for eligibility processing.
• Established seamless downstream connectivity with systems like AML, credit checks, and core banking for online account creation.
• Enabled integration with Salesforce applications to consolidate customer behavior, lifestyle, and traits for a unified 360° customer view.
• Ensured production readiness via rigorous SIT/UAT testing, implemented logging and monitoring, and conducted post-deployment validation.
• Languages & Frameworks: Java, Kotlin, Spring Boot, Node.js, TypeScript, Angular, Android
• Architecture: Microservices, Event-Driven Systems, REST APIs, Kafka, Docker
• Cloud & DevOps: AWS, ECS, S3, RDS, Jenkins, GitHub Actions
• Databases: MySQL, SQLite, MongoDB, Redis
• Engineering Practices: Agile, CI/CD, TDD, Clean Code, SOLID, DDD, Code Reviews
• Tools: JIRA, Git, Splunk, Drools, Eureka, Spring Batch
• Soft Skills: Team Leadership, Project Ownership, Stakeholder Collaboration, Mentoring