A multi-tenant, API-first microfinance engine built to scale Sharia-compliant digital loans to 25K+ customers in KSA, fully automated across Saudi regulatory frameworks.
The Problem
Manual data validation and fragmented banking databases slowed customer onboarding times, spiked API transaction costs, and risked compliance violations under strict SAMA, SIMAH, and AML frameworks.
System Architecture & Engineering Impact
Automated Underwriting Engine: Integrated KYC, AML, SIMAH, GOSI, NCGR, and Lean Open Banking into a unified pipeline, automating Debt-Burden Ratio (DBR) calculations and eliminating customer onboarding friction.
Cost-Optimized API Infrastructure: Re-engineered third-party database connectors to optimize payload sizes, drastically reducing recurring API transaction fees while increasing connection stability.
Regulated Admin Portal: Designed and deployed a centralized management interface that tracks loan journeys, automates due diligence, and generates direct compliance audits for SAMA inspectors.
Liquibase Database Migrations: Structured the core relational database schemas using Liquibase, enabling zero-downtime schema updates and safer deployment cycles.
Modular Financial Upgrades: Enhanced the core application layer to natively support recurring loan products, localized multi-language routing, and dynamic application flows for specific user demographics.
API-First Extensibility: Architected the entire ecosystem with decoupled, lightweight endpoints, ensuring the platform can pivot into e-commerce and BNPL markets without core code refactoring.
The Bottom Line
The System: Scaled seamlessly to support 25K+ active loan accounts via an adaptable, modular backend.
The Business: Cut operational overhead by replacing manual underwriting with instant, automated regulatory approval workflows.
Technical Stack
Spring Boot
Java17
React Native (JavaScript)
Oracle Cloud
PostgresSQL