👋 I’m a Principal Software Engineer and Engineering Leader with 10+ years of experience building and scaling high-impact digital platforms across Fintech, Insurtech, and IoT. I specialize in designing secure, high-availability distributed systems where performance, reliability, and data integrity are non-negotiable. My expertise sits at the intersection of transactional financial technology, real-time event-driven architectures, and applied AI. I bridge the gap between business strategy and deep technical execution, leading engineering teams to turn early-stage concepts into enterprise-grade realities. 🔧 What I Do Best System Architecture: Design resilient distributed platforms using Go, TypeScript, Python, and Java. Event-Driven Systems: Build real-time streaming architectures via Kafka/MQTT to process massive data flows. Payment Infrastructure: Architect high-throughput financial pipelines, strict reconciliation, and bank/mobile money APIs. Applied AI: Integrate LLMs and ML models to turn raw data into real-time operational insights. Technical Leadership: Lead engineering teams from idea → architecture → production while mentoring talent. Core Stack: Go, JS/TS, Python, Java | AWS, GCP | Node.js, Spring Boot, Flask, Express | React, React Native| Kafka, MQTT | MongoDB, MySQL. 🚀 Selected Impact Fintech (Boya): Architected high-throughput payment systems, real-time banking APIs, and a bulk disbursements engine for enterprise clients. Built audit-ready reconciliation pipelines ensuring absolute financial accuracy. Mobility & AI (Carchain): Designed an event-driven platform processing 2M+ daily vehicle telemetry events via MQTT/Kafka. Integrated OpenAI models to convert raw CAN data into predictive maintenance insights, sharply reducing fleet downtime. Insurtech & Telematics (AiCare & APA Insurance): Led engineering for IoT/ML telematics (pay-as-you-drive). Modernized legacy workflows for APA Insurance by building a digital claims platform and a life insurance quote engine. Startup Execution (Naya Labs): Partnered with 7+ startups to ship production-ready web/mobile products, reducing average time-to-market by 30%. 🧠 Engineering Philosophy I approach engineering with a dual product and systems mindset. Technical excellence matters, but only when mapped to clear business impact. I focus on clean abstractions, minimizing technical debt, and building architectures that scale and last. 🤝 Let's Connect I am open to Principal/Staff-level roles, technical leadership opportunities, and impactful collaborations in fintech, AI, and distributed systems.

Peter Chege Kinuthia

👋 I’m a Principal Software Engineer and Engineering Leader with 10+ years of experience building and scaling high-impact digital platforms across Fintech, Insurtech, and IoT. I specialize in designing secure, high-availability distributed systems where performance, reliability, and data integrity are non-negotiable. My expertise sits at the intersection of transactional financial technology, real-time event-driven architectures, and applied AI. I bridge the gap between business strategy and deep technical execution, leading engineering teams to turn early-stage concepts into enterprise-grade realities. 🔧 What I Do Best System Architecture: Design resilient distributed platforms using Go, TypeScript, Python, and Java. Event-Driven Systems: Build real-time streaming architectures via Kafka/MQTT to process massive data flows. Payment Infrastructure: Architect high-throughput financial pipelines, strict reconciliation, and bank/mobile money APIs. Applied AI: Integrate LLMs and ML models to turn raw data into real-time operational insights. Technical Leadership: Lead engineering teams from idea → architecture → production while mentoring talent. Core Stack: Go, JS/TS, Python, Java | AWS, GCP | Node.js, Spring Boot, Flask, Express | React, React Native| Kafka, MQTT | MongoDB, MySQL. 🚀 Selected Impact Fintech (Boya): Architected high-throughput payment systems, real-time banking APIs, and a bulk disbursements engine for enterprise clients. Built audit-ready reconciliation pipelines ensuring absolute financial accuracy. Mobility & AI (Carchain): Designed an event-driven platform processing 2M+ daily vehicle telemetry events via MQTT/Kafka. Integrated OpenAI models to convert raw CAN data into predictive maintenance insights, sharply reducing fleet downtime. Insurtech & Telematics (AiCare & APA Insurance): Led engineering for IoT/ML telematics (pay-as-you-drive). Modernized legacy workflows for APA Insurance by building a digital claims platform and a life insurance quote engine. Startup Execution (Naya Labs): Partnered with 7+ startups to ship production-ready web/mobile products, reducing average time-to-market by 30%. 🧠 Engineering Philosophy I approach engineering with a dual product and systems mindset. Technical excellence matters, but only when mapped to clear business impact. I focus on clean abstractions, minimizing technical debt, and building architectures that scale and last. 🤝 Let's Connect I am open to Principal/Staff-level roles, technical leadership opportunities, and impactful collaborations in fintech, AI, and distributed systems.

Available to hire

👋 I’m a Principal Software Engineer and Engineering Leader with 10+ years of experience building and scaling high-impact digital platforms across Fintech, Insurtech, and IoT.

I specialize in designing secure, high-availability distributed systems where performance, reliability, and data integrity are non-negotiable. My expertise sits at the intersection of transactional financial technology, real-time event-driven architectures, and applied AI. I bridge the gap between business strategy and deep technical execution, leading engineering teams to turn early-stage concepts into enterprise-grade realities.

🔧 What I Do Best

System Architecture: Design resilient distributed platforms using Go, TypeScript, Python, and Java.
Event-Driven Systems: Build real-time streaming architectures via Kafka/MQTT to process massive data flows.
Payment Infrastructure: Architect high-throughput financial pipelines, strict reconciliation, and bank/mobile money APIs.
Applied AI: Integrate LLMs and ML models to turn raw data into real-time operational insights.
Technical Leadership: Lead engineering teams from idea → architecture → production while mentoring talent.

Core Stack: Go, JS/TS, Python, Java | AWS, GCP | Node.js, Spring Boot, Flask, Express | React, React Native| Kafka, MQTT | MongoDB, MySQL.

🚀 Selected Impact

Fintech (Boya): Architected high-throughput payment systems, real-time banking APIs, and a bulk disbursements engine for enterprise clients. Built audit-ready reconciliation pipelines ensuring absolute financial accuracy.
Mobility & AI (Carchain): Designed an event-driven platform processing 2M+ daily vehicle telemetry events via MQTT/Kafka. Integrated OpenAI models to convert raw CAN data into predictive maintenance insights, sharply reducing fleet downtime.
Insurtech & Telematics (AiCare & APA Insurance): Led engineering for IoT/ML telematics (pay-as-you-drive). Modernized legacy workflows for APA Insurance by building a digital claims platform and a life insurance quote engine.
Startup Execution (Naya Labs): Partnered with 7+ startups to ship production-ready web/mobile products, reducing average time-to-market by 30%.

🧠 Engineering Philosophy

I approach engineering with a dual product and systems mindset. Technical excellence matters, but only when mapped to clear business impact. I focus on clean abstractions, minimizing technical debt, and building architectures that scale and last.

🤝 Let’s Connect

I am open to Principal/Staff-level roles, technical leadership opportunities, and impactful collaborations in fintech, AI, and distributed systems.

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Experience Level

Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
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Work Experience

Head of Engineering at AiCare
January 1, 2022 - June 1, 2026
Architected a telematics-driven insurance platform combining IoT, driver analytics, and usage-based pricing for digital underwriting. Led delivery of Pay-As-You-Drive and Pay-Per-Kilometer products, increasing customer acquisition by 38%. Designed a real-time data platform processing 2M+ MQTT events/day, reducing latency by 45%. Migrated monolith to 12+ microservices, improving scalability and deployment speed. Implemented Terraform + CI/CD pipelines, enabling zero-downtime deployments. Led and mentored a 10-engineer cross-functional team, improving delivery velocity by 35% and reducing production incidents by 60%.
Tech Lead (Consultant / Part-Time) at Carchain
January 1, 2024 - June 1, 2025
Architected a real-time telemetry platform processing 700K+ events/day with <200ms latency (MQTT + Kafka). Built an AI-powered CAN data platform converting vehicle data into predictive maintenance insights. Reduced alert latency from 5 minutes → <5 seconds, improving incident response by 70%. Designed multi-tenant microservices architecture supporting 100+ fleet clients. Implemented fault-tolerant pipelines (retries, DLQs), achieving 99.99% data reliability. Built geofencing engine with real-time GPS processing and 99.9% accuracy.
Senior Software Engineer (Consultant / Part-Time) at Naya Labs
May 1, 2022 - December 1, 2023
Delivered 7+ startup products from idea to production, reducing time-to-market by 30%. Led a distributed team of 8+ engineers, improving delivery predictability by 40%. Designed scalable architectures aligned with business goals. Reduced infrastructure costs by 25% through cloud optimization (AWS/GCP).
Lead Software Engineer at APA Insurance
April 1, 2019 - December 1, 2021
Modernized legacy systems into microservices, reducing API response time by 75%. Led development of underwriting and claims systems, improving agent productivity by 40%. Built a life insurance advisory platform with 500+ active users. Automated policy workflows, reducing manual processes by 70%. Implemented monitoring systems, reducing downtime by 80%.
Principal Software Engineer (Consultant / Contract) at Boya
October 1, 2021 - February 1, 2022
Architected a high-throughput financial ledger system ensuring real-time transaction consistency. Built bulk payments engine for large-scale enterprise disbursements. Designed multi-tenant API platform, reducing client onboarding time by 60%. Implemented reconciliation and audit pipelines with 99.99% financial accuracy. Stabilized payment infrastructure, reducing transaction failures significantly.
Senior Software Engineer (Consultant / Contract) at Speech Therapy Totos
November 1, 2018 - August 1, 2021
Built a digital therapy platform reaching 9,000+ families. Developed LMS for training therapists, increasing intake by 50%. Reduced service costs by ~40% through online delivery. Designed scalable video and learning systems with high availability.
Co-Founder & CTO at Vine Hub
April 1, 2017 - August 1, 2018
Built a mobile payment gateway supporting USSD, QR, and card payments. Developed ticketing platform with real-time booking and digital QR validation. Delivered 20+ client projects, reducing delivery time by 30% via reusable systems. Led architecture, DevOps, and engineering for all products.
Software Developer at Freelance
March 1, 2015 - April 1, 2017
Delivered 25+ projects across web, mobile, and backend systems. Built scalable APIs, CMS platforms, and mobile applications. Integrated third-party services (Stripe, Twilio, Zapier). Achieved Top Rated status on Upwork.

Education

Bachelor of Science in IT at Jomo Kenyatta University of Agriculture and Technology
September 1, 2013 - August 1, 2017

Qualifications

Rookie of the Year Award
December 1, 2019 - June 5, 2026
Top GitHub Contributor (Sept 2020)
September 1, 2020 - June 5, 2026

Industry Experience

Financial Services, Software & Internet, Telecommunications, Transportation & Logistics, Professional Services