I am a passionate and experienced software engineer with a strong background in product engineering, backend, and Android development. Over the years, I've successfully led and delivered scalable fintech products and solutions that empower savings groups and NGOs. I enjoy working in agile teams across continents, driving innovative projects that solve real-world problems. My expertise spans multiple modern technologies including React, Spring Boot, Rust, Golang, Kotlin, and Flutter. I am committed to continuous learning and delivering high-quality, performant applications with real-time observability and compliance support, focusing on impact-driven collaborations across the fintech sector.

Karlmax Okoth

I am a passionate and experienced software engineer with a strong background in product engineering, backend, and Android development. Over the years, I've successfully led and delivered scalable fintech products and solutions that empower savings groups and NGOs. I enjoy working in agile teams across continents, driving innovative projects that solve real-world problems. My expertise spans multiple modern technologies including React, Spring Boot, Rust, Golang, Kotlin, and Flutter. I am committed to continuous learning and delivering high-quality, performant applications with real-time observability and compliance support, focusing on impact-driven collaborations across the fintech sector.

Available to hire

I am a passionate and experienced software engineer with a strong background in product engineering, backend, and Android development. Over the years, I’ve successfully led and delivered scalable fintech products and solutions that empower savings groups and NGOs. I enjoy working in agile teams across continents, driving innovative projects that solve real-world problems.

My expertise spans multiple modern technologies including React, Spring Boot, Rust, Golang, Kotlin, and Flutter. I am committed to continuous learning and delivering high-quality, performant applications with real-time observability and compliance support, focusing on impact-driven collaborations across the fintech sector.

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Experience Level

Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Intermediate
Intermediate
Intermediate
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Language

English
Fluent
Swahili
Advanced

Work Experience

Product Engineer at AidX, Boston (remote)
April 1, 2024 - Present
Led end-to-end development of Moja Web using React and TailwindCSS, powered by Spring Boot and Rust microservices with gRPC and REST APIs. Architected USD C stablecoin support using Circle APIs enabling savings groups to store, vote, and transact in tokenized currency. Delivered governance modules including in-app group voting, transaction histories, compliance scoring, and role-based treasury visibility. Managed agile development for 18 engineers across Kenya and Australia using JIRA, Figma, and Notion. Instituted real-time observability using Datadog, Grafana, and Prometheus, defining SLAs and scaling performance thresholds. Released Moja Web: USD C Edition tailored for fintech collaborations, government cooperatives, and impact-focused NGOs.
Software Engineer at AidX, Boston (remote)
April 1, 2024 - August 27, 2025
Engineered scalable Spring Boot APIs for savings group creation, member roles, fund tracking, voting, and audit logging. Built Golang microservices for real-time treasury updates and payment orchestration optimized for horizontal scaling. Integrated Single Sign-On across web and mobile using OAuth 2 and JWT with role-based access, facilitating fintech partners and NGOs to manage multiple savings groups under unified identity. Developed a sandbox API gateway for third-party apps with scoped access and rate limiting. Implemented peer-to-peer payments and cross-border remittance flows via Flutterwave, M-Pesa, and Dlocal integrated directly into Moja’s savings infrastructure.
Android Developer at AidX, Boston (remote)
March 1, 2023 - August 27, 2025
Maintained and optimized Moja, a community-driven group savings app serving SACCOs and microfinance networks across East Africa. Migrated frontend from Java/XML to Kotlin + Jetpack Compose achieving 41% UI responsiveness increase and reduced build complexity. Reengineered OTP authentication flow improving success rates by 33% and reducing onboarding friction. Overhauled notification delivery with Firebase Cloud Messaging introducing categorized group alerts and dynamic contribution reminders. Built offline-first functionality using Room and implemented crash detection with Sentry, significantly reducing failure rates in low-bandwidth environments.
Software Engineer at Dropy, Nairobi
March 1, 2022 - August 27, 2025
Expanded inventory size by 27% by creating a real-time inventory API using Spring Boot. Implemented Clean Architecture using Dagger 2 and RxJava to improve application scalability and reduce testing duration. Increased app load speeds by 35% converting app to native in collaboration with team. Reduced Android app size by 47% migrating UI to Jetpack Compose from XML.
Android Developer at Cloud Apex, Nairobi
November 1, 2021 - August 27, 2025
Integrated APIs using Retrofit and Ktor Client. Performed unit and instrumentation testing of applications. Implemented Firebase authentication in Sendy app. Increased Sendy app load speeds by 20% using Room database caching. Collaborated with backend team to create backend for e-commerce platform Raia Kitchen Ware using Spring Boot. Supported revenue growth through responsive customer support generating $18K in new license sales in early launch.
Web Developer Intern at Ipsos, Nairobi
September 1, 2019 - August 27, 2025
Reduced data entry times by 50% through a Python script to check spellings and duplicate entries during data parsing. Collaborated with UI and development teams to create a web app using Adobe Photoshop/XD. Participated in strengthening backend services optimizing usage and preparing for emergency blackouts. Developed high-server traffic resource configuration and allocation features with backend team.

Education

BSc Information and Technology at Mount Kenya University, Nairobi
September 1, 2018 - December 1, 2021

Qualifications

Google Africa Developer Scholarship
July 1, 2021 - November 1, 2021

Industry Experience

Financial Services, Software & Internet, Non-Profit Organization, Retail, Professional Services

Experience Level

Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Expert
Intermediate
Intermediate
Intermediate
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