Mamasan.app (Buy Now Pay Later Platform)

Mamasan.app Role: Lead Software Engineer

Architected and led the development of a rapidly growing Fintech/E-commerce platform in Venezuela that introduces a "Buy Now, Pay Later" (BNPL) model. The system allows users to acquire products through a structured installment plan ("Sanes"), democratizing access to credit through alternative risk assessment methods.

Financial Engine & BNPL Logic: Engineered the core installment algorithm that calculates amortization schedules, interest rates (if applicable), and payment deadlines dynamically based on the product value and user profile.

Risk Assessment & KYC: implemented a multi-layered security flow including Identity Verification (KYC) and Psychometric Testing integration to evaluate user creditworthiness and minimize default risks without traditional banking history.

Automated Scheduling System: Developed a robust background processing system (using Schedulers & Queues) to handle thousands of daily tasks: tracking due dates, processing recurring payments, and triggering status updates.

Notification Ecosystem: Built an omni-channel notification service to send automated reminders via Email, significantly improving payment collection rates.

Business Logic Architecture: Designed the state machine to handle complex order statuses (Pending, Approved, Overdue, Paid, Cancelled) ensuring strict data consistency across the financial ledger.