Carlos
Veríssimo

Porto, Portugal · Remote

Cut ledger update latency from over an hour to under a second at p99, by moving a batch pipeline to an event-driven architecture.

• [1]Designed and implemented a real-time payment ledger, integrating Change Data Capture with Debezium and NATS JetStream to replace hourly batch updates.
• [2]Co-led the migration from a fee-based pricing engine to an IRR (Internal Rate of Return) model, redesigning pricing logic with business and engineering stakeholders.
• [3]Own critical financial systems including the lending ledger and the foreign exchange platform, supporting multi-currency flows and dynamic FX hedging in production money-movement workflows.
• [4]Work directly with product, finance and operations to ship systems whose correctness requirements are non-negotiable.

Porto, Portugal · Remote

Automated the payment delinquency management system, taking a manual process to a nearly fully automated workflow.

• [1]Co-led the delinquency revamp: automated customer notices, case resolution and recovery.
• [2]Integrated Python models and LLMs into existing SQL data pipelines, automating data enrichment for company and prospect qualification.
• [3]Automated batch retrieval of buyer credit data through a third-party decision platform, enabling faster risk assessment and data-driven credit policy updates.