01 / BRIEF
A microlending fintech for the tens of millions of Brazilians without access to traditional credit. Co-founded, with the engineering built from zero: risk models, payment rails, and a product that has to work on cheap Android phones over bad connections, because that is where the users are.
02 / NOTES
The constraint that shaped everything: the person who needs credit most is the person the system knows least about. Building risk models for thin-file customers is a different discipline from scoring people with ten years of bank history.
03 / STATUS
Shipped 2024. Ongoing.