MF-03 · Finsfera · Dec 2024 → now · Fullstack Developer
Credit & Risk Intelligence Platform
A B2B platform that helps lenders decide on loans. It collects bureau, income, open banking and KYC data and returns an explainable decision: approve, review or decline.
Team 2 Backend · Fullstack (me) · BA · PM · CTOMy part integrations, customer data, decision logic, AI
13microservices in the platform
5data providers behind one gateway
FullGDPR deletion, through per-customer encryption keys
01 · The problem
One answer. No guessing.
A lender asks one question: should this person get the loan? The answer depends on five outside data providers, and any of them can be slow, down, or speak its own format.
The platform still has to answer and explain itself, never approve because something was missing, keep personal data fully deletable under GDPR, and keep it away from AI model providers.
02 · What I built
What I built
A gateway to 5 data providers
Bureau, income, open banking, KYC and one more source behind one way in. It survives slow or failing providers and brings all data into one format.
The customer profile service
Profiles with consents and history. Every customer has their own encryption key, which makes full GDPR deletion possible.
A fault-tolerant decision engine
Returns approve, review or decline with reasons. Missing data or a broken rule sends the application to a person, never to auto-approval.
See how it works
Five sources, one answer — and a person when data is missing.
Illustrative
An LLM gateway and AI policy search
One gateway to Claude, OpenAI and Ollama that masks personal data, falls back to the next provider when one fails and enforces cost limits; AI search over internal policies runs on top.