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01Selected work

Real products, shipped to production.

Every build below ran in production. Client names are kept private; the engineering speaks for itself.

Recurring Billing Engine

The engine that turns a signed lease into a payment schedule and then collects against it week after week, with promotions applied at the right point and failed payments handled rather than dropped.

  • Schedule generation from the lease's own terms
  • Scheduled collection runs with retry handling
  • A promotion engine, and the editor to drive it
Sector
Consumer finance · Payments
Scope
Payment scheduling, collection, promotions
Stack
PHP, Zend Framework, MySQL
Status
Delivered
  • PHP
  • Zend Framework
  • MySQL
  • Cron
Weekly
schedules, generated from the lease and collected against

Virtual Card Issuance

Funding a purchase at a named retailer without handing over a reusable card. Issues a single-use virtual card scoped to that merchant, checks the merchant's own requirements before it does, and closes the card once the purchase is done.

  • Per-purchase issuance, scoped to one merchant
  • Merchant requirement checks before issuing
  • Deactivation and reissue handling
Sector
Consumer finance · Card payments
Scope
Virtual card issuance and lifecycle
Stack
Node.js, PHP
Status
In production
  • Node.js
  • PHP
  • Payments
  • REST APIs
Single-use
cards, scoped to one merchant and closed after use

Debt Sale Pipeline

When an account is written off, the balance gets sold. Built the pipeline that selects the eligible accounts, assembles the file in the format each buyer requires, and delivers it, replacing a manual export that had to be right every time.

  • Account selection against charge-off rules
  • Exports built to each buyer's own format
  • Delivery to the buyer's transfer channel
Sector
Consumer finance · Collections
Scope
Account selection, export, delivery
Stack
Node.js, MySQL, MongoDB
Status
In production
  • Node.js
  • MySQL
  • MongoDB
  • Reporting
Buyer-ready
files, assembled per buyer and delivered without hand-editing

Risk-Based Pricing Engine

Everyone had been priced the same way. Built the engine that reads a customer's risk multiple and returns the terms matching it, so a stronger applicant gets better terms and pricing stops being one number for everybody.

  • Money factor derived per customer
  • Premium tiers matched to a risk multiple
  • Quotes and real terms from the same engine
Sector
Consumer finance · Underwriting
Scope
Risk-based pricing, quotes, terms
Stack
Node.js, MongoDB
Status
In production
  • Node.js
  • MongoDB
  • Hapi
  • Pricing
Per customer
pricing, derived from that customer's own risk multiple

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