Architected an enterprise Kubernetes platform on Azure AKS for a fintech company running 40+ microservices. Traffic enters through Application Gateway with WAF v2 policies and Azure Firewall before reaching the AKS cluster inside a hub-spoke VNet. ArgoCD manages all deployments through GitOps with automatic drift detection and self-healing. ACR stores container images built by Azure DevOps Pipelines with integrated vulnerability scanning. Workloads connect to Cosmos DB, PostgreSQL Flexible Server, and Redis Cache through private endpoints. Azure ML handles fraud detection model inference called directly from within cluster pods. Entra ID with Managed Identities provides passwordless auth across all services.
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Makaya Equity is an end-to-end membership fintech and lending ecosystem engineered to automate member underwriting, identity verification, and capital workflows.
Core Technical Specs & Features:
Proprietary Underwriting Engine : Custom algorithmic risk-assessment model that ingests live banking data, cash-flow patterns, and repayment history to generate an instant, proprietary creditworthiness score.
Plaid Bank Integration & OAuth: Instant bank account verification, real-time balance checks, transaction categorization, and automated ACH transfer verification.
Payroll Direct Connect: Secure verification of member income and employment status via payroll API linking.
Conversational WhatsApp AI Assistant: In-chat AI concierge on WhatsApp capable of answering member queries, delivering payment reminders, checking loan status, and guiding applicants through onboarding.
Automated KYC & Identity Verification: Dual-layer identity verification with automated verification flows and an admin manual-review fallback pipeline.
Member Financial Dashboard: Interactive portal tracking active loans, contribution balances, payment schedules, transfer history, and membership benefits.
Admin Compliance & Risk Center: Granular back-office console for staff, compliance onboarding, disclosure management, and portfolio risk monitoring.
Security & Regulatory Safeguards: Strict role-based access control (RBAC), end-to-end data encryption for PII, and automated regulatory disclosure workflows.
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