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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 – Present

Soft 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 2024

Paywatch

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 2023

Pow 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 2022

EY

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 2021

Carsome

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 2021

Carsome

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 2020

Penpec 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 2018

Penpec 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 2017

EQX 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 Architecture

Impact: Improved maintainability, reduced operational dependency, and created a cleaner foundation for future expansion.

Go · Node.js · PostgreSQL · AWS · Docker

Bank Integration Middleware

Fintech Integration

Impact: 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 Workflow

Impact: Enabled large-volume transaction processing with better traceability, reporting, and operational visibility.

Go · AWS Lambda · S3 · DynamoDB · DuckDB · Parquet

AI Engineering Constitution & Workflow

AI Workflow

Impact: 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