Jonathan Ooi
Principal Software Engineer
I build and modernise the systems fintech runs on.
Summary
Principal Software Engineer with experience across fintech, SaaS, consulting, and product engineering. I work where backend architecture meets product decisions, and I still write and ship code. My job is closing the gap between engineering, business, and product.
Recent work includes payment platforms, bank integrations, high-volume settlement and reconciliation systems, event-driven integration layers, and legacy modernisation done without stopping the business. I lead a team, manage stakeholders, and set the standards, specs, and the constitution AI follows, built on my boilerplate structure with OKF, RAG, skill creation, and context management.
Experience
Principal Software Engineer
Nov 2024 – PresentSoft Space
Backend architecture, fintech platform modernisation, system integration, and engineering delivery improvement.
- Modernise legacy system bottlenecks into scalable standalone modules.
- Design backend systems for high-volume batch processing, reporting, and operational workflows.
- Build integration patterns across internal platforms, banks, and third-party services.
- Streamline repetitive operational processes through system consolidation and automation.
- Guide engineering decisions on technical stack, architecture patterns, and AI-assisted workflows.
- Lead engineers and collaborate with product, business, and operations teams, managing stakeholders from requirement to release.
Senior Full Stack Engineer
Jun 2023 – Oct 2024Paywatch
Building the bank integration layer and platform services behind the company's expansion into new countries.
- Replaced manual file-upload disbursement by initiating and building a middleware integrating multiple banks across countries.
- Streamlined expansion into new countries by provisioning services and environments with Infrastructure as Code.
- Simplified business rule customisation and visualisation by building a rule engine used across application services.
- Created a new revenue stream by integrating a bill payment aggregator.
- Improved business management efficiency by revamping customer portals with the product team.
- Mentored engineers to keep a cohesive understanding of the systems being built.
Senior Software Engineer
Apr 2022 – Jun 2023Pow Pocket Sdn Bhd
Full-stack product delivery with TypeScript, React, and Next.js across healthcare and e-commerce systems.
- Built an order management system taking a pharmaceutical company's ordering process online.
- Delivered an online doctor platform for rapid COVID testing.
- Developed a memorial plot management and agent commission distribution system.
- Integrated a healthcare app backend with an e-wallet provider and payment gateway.
- Shipped React and Next.js frontends with automated Cypress test coverage.
- Assessed acquisition targets and contributed technical insight to stakeholder discussions.
Technology Consultant Manager
Nov 2021 – Mar 2022EY
Technology consulting across proposal development, delivery leadership, and hands-on engineering for public sector, telco, and retail clients.
- Crafted technology proposals from scratch covering business transformation, change management, product and architecture design, scope, cost, and timeline.
- Led multiple teams and projects, keeping delivery on track against client commitments.
- Contributed hands-on software development to unblock and speed up delivery teams.
- Enforced security protocols, testing standards, and production readiness across deliverables.
Interim Tech Lead
Apr 2021 – Nov 2021Carsome
Team delivery, stakeholder management, and technical solutioning aligned with other tech leads and the CTO.
- Led an engineering team with team delivery, not individual output, as the primary measure.
- Translated business needs into technical solutions with stakeholders.
- Ran task breakdown and delegation, defining scope and definition of done before each sprint.
- Aligned technical direction and delivery with other tech leads and the CTO.
- Protected team wellbeing, shielding engineers from organisational noise.
Senior Full Stack Engineer
Jul 2020 – Apr 2021Carsome
Full-stack development across vehicle bidding, inventory, and internal platform systems.
- Built the live dashboard for the car bidding platform, showing real-time bid activity.
- Developed car inventory tracking and a car library covering brands and models worldwide.
- Built internal portals and user access control management.
- Integrated internal systems with Oracle NetSuite.
- Won an internal hackathon and shipped the prototype into daily operations.
Assistant Manager, Development & Operations
Aug 2018 – Jun 2020Penpec Group
Full-stack product development reporting directly to the director, turning business ideas into shipped products.
- Initiated and developed four products from scratch: eTender (procurement), Grabies (customer rewards), pharmacyKu (online pharmacy), eRider (on-demand delivery).
- Owned website and mobile application development across the group's product portfolio.
- Translated the director's business ideas into product designs and technical solutions.
- Ran penetration testing across group applications.
Group IT Executive
Oct 2017 – Aug 2018Penpec Group
On-premise IT infrastructure and internal tooling for the group.
- Built an internal employee portal (ePortal) from scratch: claims, leave, contacts, announcements, and SAP B1 reports accessible remotely.
- Maintained on-premise infrastructure: SAP B1 and UBS servers, Active Directory, firewalls, load balancer, backups, PABX, CCTV.
- Customised SAP B1 reports with Crystal Reports and UBS reports for management.
IT Network Specialist
Mar 2014 – Oct 2017EQX Asia Sdn Bhd
On-premise server and network support, and the start of the move from hardware into software development.
- Set up, maintained, and troubleshot on-premise servers and network infrastructure.
- Built a warehouse inventory tracking system with PHP, MySQL, HTML, and CSS.
- Contributed development tasks to the internal claims and leave portal while learning from senior engineers.
Selected Projects
Legacy System Modernisation
Platform ArchitectureImpact: Improved maintainability, reduced operational dependency, and created a cleaner foundation for future expansion.
Go · Node.js · PostgreSQL · AWS · Docker
Bank Integration Middleware
Fintech IntegrationImpact: Replaced the manual disbursement process and gave the business a repeatable integration model for each new bank and market.
Java · Go · REST API · SQL · Bank APIs · Terraform / IaC
High-Volume Reconciliation Engine
Data WorkflowImpact: Enabled large-volume transaction processing with better traceability, reporting, and operational visibility.
Go · AWS Lambda · S3 · DynamoDB · DuckDB · Parquet
AI Engineering Constitution & Workflow
AI WorkflowImpact: AI moves from requirement breakdown to implementation faster, and output stays consistent with team standards across projects.
Spec-driven Development · OKF · RAG · AI Skills · MCP · Context Management