Looks like you have JavaScript disabled. For the full Twine experience, you will need to re-enable it.

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.…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

Web Developer, Programmer, Developer, +2





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.…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.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Intermediate

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.