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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.

  • Built a reconciliation engine processing 10M+ transaction records per run, parsing, matching, and reporting in 10 minutes.
  • Cut manual reconciliation and settlement from 5 hours to 15 minutes by rolling out automated services.
  • Rolled out 20 new backend services to production, modernising legacy bottlenecks into scalable modules.
  • Unified 4 separate system portals into one, reducing merchant onboarding time.
  • Led and mentored 6 engineers, setting architecture direction across the platform's backend services and concurrent fintech initiatives.
  • For well-specified feature work, an AI-assisted, spec-driven workflow turns multi-day tasks into same-day delivery, shifting effort to architecture, review, and testing.

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.

  • Built the bank integration layer supporting 3 banks across 3 countries, replacing manual file-upload disbursement with a reusable regional foundation.
  • Enabled near-instant disbursement, cutting the wait for withdrawn funds to reach a user's bank from around 4 hours to minutes on withdrawal.
  • Cut new-market environment setup from 3 days to 1 hour by automating provisioning with Infrastructure as Code.
  • Launched a bill payment integration supporting 50 billers and services, opening a new revenue stream.
  • Built a rule engine turning business rules into customisable, visualised configurations across application services.
  • Revamped customer portals with the product team and mentored engineers across 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.

  • Delivered three production platforms across healthcare, pharmaceutical, and e-commerce within 14 months.
  • 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.
  • Built automated Cypress test flows validated against 50,000+ records, raising confidence in frontend releases.
  • Integrated a healthcare app backend with an e-wallet provider and payment gateway.

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.

  • Delivered a government client project and an internal application to production within a 5-month tenure.
  • 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 delivery teams, and enforced security, testing, and production-readiness standards.

Interim Tech Lead

Apr 2021 – Nov 2021

Carsome

Team delivery, stakeholder management, and technical solutioning aligned with other tech leads and the CTO.

  • Led a team of 4 engineers 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.

  • Won an internal hackathon with an app for car inventory tracking and location-to-location transfer with handshake and tracking, shipped into daily operations.
  • Built a car library covering brands and models worldwide, reused across 5 services platform-wide.
  • Reduced manual finance data entry by integrating internal systems into Oracle NetSuite ERP.
  • Built the live dashboard for the car bidding platform, showing real-time bid activity.
  • Built internal portals and user access control management.

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 shipped four products to production 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, cutting manual administrative work by 60%.
  • 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 a new office server room, door access, and alarm systems single-handedly, avoiding the cost of an external vendor.
  • Rolled out an attendance system across 3 country offices, synced back to HQ.
  • Built a warehouse inventory tracking system with PHP, MySQL, HTML, and CSS.
  • Maintained and troubleshot on-premise servers and network infrastructure, and picked up development 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 manual disbursement with near-instant withdrawals, cutting user wait from around 4 hours to minutes, and new-market setup from 3 days to 1 hour.

Java · Go · REST API · SQL · Bank APIs · Terraform / IaC

High-Volume Reconciliation Engine

Data Workflow

Impact: Processes 10M+ transaction records per run in 10 minutes, cutting manual reconciliation and settlement from 5 hours to 15 minutes.

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

AI Engineering Constitution & Workflow

AI Workflow

Impact: Turns well-specified multi-day tasks into same-day delivery, with output staying consistent with team standards across projects.

Spec-driven Development · OKF · RAG · AI Skills · MCP · Context Management