Principal EngineerDistributed systems & platform · Toronto

Oghale Etomu

I design backend platforms that stay fast and reliable as they scale — payment rails, conversational-banking AI and event-driven risk engines serving 12M+ users.

Open to select engagements
Live trafficall systems go
12M+ served today0 errors
Users
12M+
served daily
At peak
250
machines in parallel
Uptime
99.9%
always on
Experience
9 yrs
building software
$ 01 — About

I build the unglamorous foundations that let teams move fast for years.

I’m a principal-level engineer who has spent 9+ years where reliability meets craft — payment rails, conversational-banking AI and cloud-native platforms handling millions of users daily across fintech, banking, energy and SaaS.

Today I work on designing systems, defining technical standards, shaping roadmaps and mentoring engineers. I care most about building things that outlast any single sprint.

fintechbankingenergyplatform
Portrait of Oghale Etomu
$ 02 — Selected Work

Platforms I’ve built

A selection — the work I keep coming back to.

Social travel platform
012024·Founder & Technical Lead

Roadpple

A social travel platform connecting travelers to share trips, meet safely and build real experiences. Designed and built end to end — product strategy, architecture and full-stack development.

Next.jsReactTypeScriptNode.js
Event-driven risk engine
022023·Lead Architect

Energy Risk Platform

Re-architected a risk-processing platform for North America’s top energy firms — from failing MSSQL stored procedures to event-driven Azure Container Apps. Horizontal scale across 100–250 containers, processing 10M+ assets per run with built-in fault recovery.

.NETContainer AppsEvent-drivenMSSQL
Tamada — Conversational Banking — Conversational banking AI
Conversational banking AI
032018–21·Technical Lead

Tamada — Conversational Banking

A customer-facing banking AI handling account opening, transfers, loans and support through natural conversation. Built on Microsoft Bot Framework and Azure Cognitive Services, serving up to 500K users for one of Africa’s largest banks.

.NETBot FrameworkAzure AILUIS
USSD Payment Channel — USSD payments · 12M users
USSD payments · 12M users
042019·Lead Engineer

USSD Payment Channel

High-concurrency, low-latency USSD APIs powering mobile-wallet services for 12M customers — balance enquiries, transfers and financial inclusion at scale. Redis caching for throughput under peak load, lifting transaction success 10%.

.NETMSSQLAngularRedis
Leatherback — Payment-as-a-service platform
Payment-as-a-service platform
052021–22·Lead Engineer & Architect

Leatherback

A multi-tenant payment-as-a-service platform serving 100+ clients with multi-currency accounts for payouts, collections and exchange. Integrated global providers: Clearbank, Currencycloud, Stripe, Mastercard, Plaid and Providus.

.NETPostgreSQLVueJSAzure
$ 03 — Systems / Case Study

From a monolithic stored-proc to an event-driven fleet

JANA Corp · 2023

A single MSSQL stored-procedure engine ran risk calculations for some of North America’s largest energy firms. As portfolios grew it buckled — jobs timed out, a single failure restarted the whole run, and work couldn’t scale across machines.

risk-engine.architecture
// System architecture — data flow
SOURCE
Orchestrator
QUEUE
Service Bus
FAN-OUT · STATELESS WORKERS
w·01w·02w·03×250
STATE
Checkpoint
// retry loop · a failed asset re-queues independently — the run never restarts from zero
Before
  • Monolithic MSSQL stored procedures
  • Single-threaded, bound to one box
  • One failure restarted the entire run
  • No visibility into per-asset progress
After
  • Event-driven Azure Container Apps
  • Work fanned out across 100–250 containers
  • Built-in checkpointing & fault recovery
  • Observable, per-asset progress
# Key decisions & tradeoffs
Fan-out over scale-up

Event-driven fan-out instead of scaling the database vertically — throughput grows with containers, not hardware.

Containers over functions

Container Apps over serverless Functions for long-running compute and predictable cost at peak scale.

Isolation over consistency

Accepted eventual consistency for parallelism and fault isolation — each asset processes and retries on its own.

Assets / run
10M+
Horizontal scale
1→250
Service perf
+35%
Query perf
+40%
$ 04 — Experience

The road so far

Nine years across fintech, banking and energy — tap any role to expand.

  • Re-architected a risk-processing platform from stored-procedure MSSQL to event-driven Azure Container Apps, scaling across 100–250 containers to process 10M+ energy assets per run.
  • Built end-to-end digital solutions with C#, .NET Core, Azure and Python using Agile methodologies.
  • Refactored core services to lift performance 35% and optimized queries for another 40%.
C#.NET CoreAzurePython
  • Designed a payment-as-a-service platform serving 100+ clients with multi-currency accounts for payouts, collections and exchange.
  • Built a multi-tenant settlement engine clearing transactions across time zones.
  • Integrated global providers: Clearbank, Currencycloud, Stripe, Mastercard, Plaid and Providus.
C#AzureVueJSPostgreSQL
  • Implemented a configurable multi-processor payment service, reducing transaction failures 10%.
  • Championed code-review practices that cut bug fixes 20% and enhanced the test life cycle 80%.
  • Designed microservices with Docker and Kubernetes for scalability and reuse.
C#AWSDockerKubernetes
  • Built Tamara, the bank’s AI chatbot on Azure Bot Framework, cutting customer–agent interaction sharply.
  • Delivered USSD banking APIs serving 12M customers with Redis caching, lifting transaction success 10%.
  • Defined CI/CD and monitoring that lifted uptime to 99.9%; built location-based branch/ATM search for 1M+ users.
C#AzureAngularRedis
  • Supported and extended the BankCollect collection platform used by top-tier financial institutions.
  • Built plugins for the Bank3D payment gateway.
  • Drove weekly review meetings and collaboration using Scrum.
C#SQL.NETJavaScript
$ 05 — Principles

Leading beyond the codebase

Principal work is multiplier work — the standards, reviews and systems that let a whole team move faster and break less.

  • Championed code-review practices that cut bug fixes 20% and lifted the test life cycle 80%.
  • Drove 100% coverage on critical paths through unit and integration testing.
  • Defined CI/CD and monitoring that raised uptime to 99.9% across banking services.
  • Led epics end to end and mentored engineers across fintech, banking and energy.
P01
Build for the team after you

Standards, docs and reviews outlive any single sprint.

P02
Optimize the system, not the snippet

Measure first, then refactor where it moves the needle.

P03
Reliability is a feature

Monitoring, fault recovery and 99.9% uptime designed in, not bolted on.

P04
Ship product, not just code

The best architecture serves the user and the business behind it.

$ 06 — Stack

What I reach for

Languages
  • C#
  • JavaScript / TypeScript
  • Python
  • HTML & CSS
  • SQL
Frameworks
  • .NET / .NET Core
  • Blazor
  • VueJS
  • Tailwind
  • Bootstrap
Databases
  • MS SQL & MySQL
  • PostgreSQL
  • MongoDB
  • Redis
  • Cosmos DB
Infrastructure
  • Azure / AWS / GCP
  • Kubernetes
  • Docker
  • Terraform
  • GitOps & CI/CD
$ 07 — Education

Education & Certifications

Sunderland · BCS · IBM
2013BSc, Network Computing — University of SunderlandDegree
2020BCS Level 4 Certificate in IT — British Computer SocietyDiploma
2024Certified ScrumMaster — Scrum AllianceCert
2020IBM Enterprise Design Thinking PractitionerCert
$ 08 — Contact

Let’s build
something good_

Find me online
Based in Toronto, Canada — working remotely worldwide© 2026 Oghale Etomu