André Ribeiro

Staff Software Engineer

André (Dk) Ribeiro

18+ years · Scalable systems · Technical leadership · Fintech

What I optimize for

I build backend systems that stay correct under load and survive failure.

I also scale engineering orgs through SDLC standards, technical roadmaps, and ownership-driven execution.

Observability is the mix that keeps every service in sync.

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active users supported in production
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uptime on critical backend systems
1 → 0
engineers scaled across teams

Reliable systems, observability-first engineering, and measurable SDLC standards.

Fintech domain expertise

Where I've worked across payments, credit, and banking infrastructure.

  • Cards & Issuing

    Built consumer and corporate credit cards end to end: issuer integration, card networks, and interchange.

    • PicPay

  • Receivables & Payroll

    Receivables-backed credit and salary advance, wired into receivables registries and payroll.

    • PicPay

  • Lending & Capital Markets

    A lending platform that originates and issues CCBs, commercial notes, and debentures, with FIDC and securitization flows.

    • Kanastra

  • Cross-border & Stablecoins

    Cross-border money movement orchestrated across multiple banking partners, FX, and stablecoin settlement.

    • Conduit

  • Core Banking & Ledger

    Double-entry ledgers and core-banking primitives that keep money movement correct and auditable.

    • Kanastra
    • Conduit

  • Payments & Integrations

    Payment-method and banking integrations across acquirers, processors, and partner banks.

    • PicPay
    • Conduit

Work

Highlights
Expand a role to preview key outcomes.
Conduit Senior Software Engineer 2025-10 – Present · USA, Remote Built a cross-border money-movement orchestrator across multiple banking integrations and stablecoin settlement; core backend modernization and observability.
  • Built an orchestrator that moves money across borders through multiple banking integrations and stablecoin rails, with a focus on ledger integrity and reliable settlement.
  • Refactored and modernized core backend services for data integrity and service-to-service communication.
  • Established Datadog dashboards, alerting, and logging standards across critical applications.
  • ~45% improvement in system stability and data integrity within the first six months
  • Observability standards reducing MTTD/MTTR for production issues
  • AWS
  • Kubernetes
  • Node.js
  • NestJS
  • PostgreSQL
  • NATS
  • Datadog
Kanastra Senior Staff Engineer 2025-04 – 2025-10 · Uberlândia, Brazil (Remote) Banking-as-a-Service; architected the core lending platform issuing CCB, commercial notes, and debentures, with durable financial workflows and FIDC operations.
  • Architected the firm’s core lending platform from the ground up to originate and issue multiple credit instruments: CCB, commercial notes (nota comercial), and debentures.
  • Worked across FIDC structures and capital-markets operations; pioneered Temporal.io for durable, fully auditable long-running financial workflows.
  • Introduced formal SDLC, Jira metrics, and performance benchmarks in the Definition of Done.
  • ~90% reduction in manual transaction recovery via Temporal.io adoption
  • 60% reduction in average time-to-hire after new technical hiring process
  • First formal SDLC with structured backlog and velocity metrics
  • GCP
  • Kubernetes
  • Node.js
  • NestJS
  • PostgreSQL
  • MongoDB
  • Kafka
  • Redis
  • Temporal.io
  • Datadog

Featured project

Lending Platform

Apr 2025 – Present

Designed a modular lending platform to support multiple credit instruments with long-term extensibility.

Enabled new instrument onboarding without core platform refactors

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PicPay Staff Software Engineer 2022-05 – 2025-04 · São Paulo, Brazil (Remote) Led benefits & credit fintech products (receivables-backed and corporate cards, payroll, salary advance) and scaled backend orgs for 20M+ users.
  • Architected a receivables-backed Flexible Benefits credit card and a Corporate credit card, integrating issuer, card-network, and registradora (receivables registry) flows.
  • Built Payroll and Salary Advance (antecipação salarial) products on top of the benefits rails.
  • Defined architectural roadmaps and led Backend Chapters across 50+ engineers; delivered card products on PostgreSQL, Redis, Kafka, and Kubernetes.
  • 20M+ active users on critical products
  • 99.99% uptime and <100ms responses under peak load
  • Scaled backend teams from 1 to 50+ engineers
  • Benefícios product from zero to launch in 3 months (JBS); team 1→40+
  • AWS
  • Kubernetes
  • Terraform
  • Node.js
  • Java
  • NestJS
  • PostgreSQL
  • MongoDB
  • Redis
  • Kafka

Featured project

PicPay Corporate Credit Card

Apr 2024 – Present

Led delivery of a corporate credit card product integrating legacy flows with modern cloud services.

Delivered on a tight timeline with cross-functional and third-party coordination

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DreamLabs Tech Lead / Staff Engineer 2015-07 – 2022-05 · Ouro Preto, Brazil Fractional CTO-style leadership for dozens of cloud and mobile products for startups.
  • End-to-end technical leadership for cloud software and mobile apps across many client startups.
  • Rateio Digital: Led monolith-to-microservices refactor (Kafka, independent deploys); architecture became Gringo’s core engine post-acquisition.
  • Led teams on healthcare scheduling (Iubem), events/ticketing (Quero Festival), crypto exchange (Murexchange), edtech (Miletus), and more.
  • Rateio Digital / Gringo: GMV grew 36× ($500K to $18M annually); Strangler Fig microservices migration
  • AWS
  • Kubernetes
  • Terraform
  • Node.js
  • NestJS
  • Angular
  • React
  • PostgreSQL
  • Kafka

Featured project

Rateio Digital / Gringo

Jul 2021 – May 2022

Led backend modernization from monolith to specialized microservices for vehicle debt consultation and payments.

Grew GMV from $500K to $18M annually

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Alokium Founder & Lead Developer 2016-06 – 2021-12 · Ouro Preto, Brazil Bootstrapped smart-home startup spanning proprietary hardware, firmware, cloud, and mobile.
  • Built full-stack smart home product: PCBs, firmware (C++), AWS backend, Flutter apps.
  • Owned product strategy, GTM, and lean delivery as bootstrapped founder.
  • AWS
  • Terraform
  • C++
  • Node.js
  • NestJS
  • Flutter
  • MySQL
  • Redis
Matiplus Back-End Developer 2012-01 – 2015-05 · Mariana, Brazil Payment processing APIs (credit card and boleto) in a financial services context.
  • Developed and optimized payment processing APIs for card and boleto transactions.
  • Worked toward compliance and reliability standards for financial integrations.
  • PHP
  • CodeIgniter
  • MySQL
MTV Brasil Fullstack Developer 2011-05 – 2013-09 · São Paulo, Brazil High-traffic portals and Blogstop, a partner blog platform at massive scale.
  • Built and maintained high-traffic web properties and editorial-aligned technical solutions.
  • Blogstop: conception, development, and server administration for partner blogs.
  • Blogstop: up to 10M monthly visits
  • PHP
  • WordPress
  • MySQL
Doutor Informática Junior Software Developer 2008-05 – 2011-04 · Mariana, Brazil POS and financial management software for SMBs; my first professional engineering role.
  • Developed and maintained point-of-sale and financial management systems.
  • End-to-end work from requirements through deployment for client-specific features.
  • PHP
  • SQL
  • Linux

Contact

Staff / Principal IC engineering, remote-friendly. For opportunities and collaboration, email is best.

dk@dkribeiro.com LinkedIn GitHub Résumé PDF