Hi, I'm Tosin 👋
Senior Frontend Engineer → AI Product Engineer
TO

About

Senior Frontend Engineer with 6+ years building dependable, large-scale frontend systems for fintech and banking platforms (payments, lending, merchant operations, and compliance-critical interfaces). Deep expertise in React, TypeScript, Next.js, and application architecture, with a strong engineering mindset for secure, data-heavy, production systems.

Now extending that foundation into applied AI product engineering: shipping LLM-powered tools (RAG pipelines, streaming interfaces, tool-calling agents) on top of real market and SaaS domain depth. Trusted to own complex features end-to-end, translate ambiguous business problems into shipped software, and keep systems maintainable, observable, and resilient over time.

Work Experience

M

Moniepoint

January 2025 - Present
Senior Frontend Engineer
- Integrated and maintained mission-critical banking and merchant operations platforms used by thousands of agents and businesses across Nigeria, supporting payments, transaction reconciliation, sales reporting, and operational monitoring at national scale. - Built and maintained high-reliability dashboards and workflows for merchant onboarding, sales performance, and daily settlement reconciliation, achieving 99.9% data accuracy across high-volume financial transactions. - Implemented frontend security best practices including secure session handling, role-based access control (RBAC), defensive UI patterns, and strict data validation to support a licensed financial institution's compliance and trust requirements. - Championed automated testing and quality gates (Jest, Cypress, CI/CD), reducing production incidents by 30% while improving release confidence for regulated financial features. - Designed and contributed to shared component libraries and internal design systems, improving UI consistency, accessibility, and development velocity across multiple product teams.
C

CreatorFi

September 2024 - August 2026
Senior Frontend Engineer (Contract)
- Architected and shipped core modules of a creator-economy lending platform spanning business/deal origination (5 financing structures including profit-share with milestone phases, floating revenue bands, and multi-stream splits), servicing events, and deal reporting with a unified ledger. - Built an end-to-end music royalty diligence product for catalog ingestion, payor mapping, nowcast analytics, and permission-gated review workflows so underwriting teams could evaluate music catalogs pre-funding. - Delivered multi-platform revenue connection tooling (YouTube, Roblox, Plaid, Tebex, TikTok Shop) including client-side offer modeling (weighted revenue buckets, maturity matrices, PV-based principal) and reconciliation UIs, enabling ops to link external revenue to deals across gaming, content, and music verticals. - Implemented post-funding risk and monitoring systems (Early Warning Indicators, tiered Risk Alerts, case management) and KYB/business-profile integrations across a complex B2B fintech surface with legacy API and auth constraints.
C

Changera

May 2022 - January 2025
Senior Frontend Engineer
- Implemented dashboards for FX payment processors, multi-currency wallets, crypto trading, cross-border payments, virtual cards, and business banking, streamlining financial operations. - Collaborated with integration partners to monitor fintech integration channels and escalate technical issues, ensuring seamless integration with third-party systems. - Integrated Web2 and Web3 payment gateways and led authentication and business onboarding setup for cross-border business payments. - Drove performance optimization across complex React and Next.js applications, improving load times, runtime responsiveness, and observability for data-intensive financial dashboards.
W

Wewire Africa

August 2021 - July 2022
Software Engineer
- Enhanced cross-border payment tools with wallet connectivity, transaction monitoring, and responsive design, improving user engagement and satisfaction. - Used Storybook to build reusable component design systems from Figma, increasing development efficiency by over 50%. - Contributed to agile development processes and designed a reusable component library, optimizing development workflows.
N

Nomad Bank

December 2020 - September 2021
Frontend Engineer
- Implemented UI from Figma designs, integrating RESTful APIs for seamless user experiences. - Automated the KYC process flow for B2B onboarding, reducing onboarding time by 25%, and streamlined registration flow by 50% following user feedback. - Utilized test automation to ensure maintainable solutions and reduce bugs by 30%.
L

Libryo

September 2020 - December 2020
Software Engineer (Contract)
- Developed scripts for legal document population using Playwright and TypeScript, improving document management efficiency. - Provided technical support for third-party merchants integrating with internal APIs, ensuring smooth integration processes.
S

Seekhostel

January 2018 - March 2021
Founder & Frontend Developer
- Co-founded and led frontend development and deployment on AWS, managing a technical team and ensuring high-quality deliverables. - Analyzed and resolved technical issues in payment processing systems, minimizing downtime and maximizing customer satisfaction. - Used AWS Amplify, S3, and EC2 for deployment and hosting.

Education

O

Obafemi Awolowo University

2018 - 2023
Bachelor's Degree in Computer Science and Mathematics (BCS)
U

Udacity

2016 - 2017
Nano Degree, Web and Software Development
E

Edx

2016 - 2017
Web, Frontend Development
B

Buildspace

2022 - 2023
s3

Skills

HTML5
CSS3
JavaScript
TypeScript
Python
React
Next.js
Vue.js
Nuxt.js
Node.js
Remix
GraphQL
FastAPI
LLM APIs (Anthropic, OpenAI)
RAG Pipelines
Vector Databases (pgvector, Qdrant)
Tool-Calling / Agent Workflows
Prompt Engineering
Redux
RTK Query
Vuex
Tailwind CSS
Chakra UI
Material UI
Shadcn
Storybook
Jest
Cypress
Playwright
CI/CD
d3.js
three.js
MySQL
MongoDB
Git
Webpack
Nx Monorepo
Firebase
AWS (S3, EC2, Amplify)
Agile / Scrum
Web3
Ethereum
My Projects

Check out my latest work

From fintech platforms and lending systems to AI-powered copilots — a selection of work spanning production financial software and applied LLM product engineering.

Fintech Ops Copilot

AI assistant for merchant transaction reconciliation and dispute support: RAG pipeline over transaction/ticket data, tool-calling agent, and a streaming Next.js chat interface. Built end-to-end with FastAPI, vector search, and Anthropic/OpenAI APIs.

Next.js
React
TypeScript
FastAPI
Python
RAG
Vector Search
Anthropic
OpenAI
Tool-Calling Agents
Earna

Earna

Earna empowers independent workers with services such as health plans, income protection, and retirement savings. With insights and automations

Next.js
Typescript
React
Framer Motion
TailwindCSS
Stripe
Website
Mojaa

Mojaa

Mojaa exchange provides seamless access to a diverse range of tokenized digital assets. Trade with confidence, speed, and security while building your wealth.

Tanstack Query
Typescript
Javascript
Tailwind
Websockets
Storybook
Nx Monorepo
NextJS
Gsap
Docker
Website
Chatway

Chatway

Live Chat for Your Website. Revolutionize the way you communicate with your customers.

Vue.js
Websockets
Live Polling
Javascript
iFrames
SDK and Libraries
CMS
VueX
Google Translate
AI Chatbot / Copilot
Website
Unsplash Image

Unsplash Image

Developed an open-source directory that gets images from unsplash API, and display in a lazy loaded container

Vue.js
Unsplash API
SCSS
Typescript
Website
Source

Olyve

Olyve works by delivering impact, engagement, cost savings and retention combining process automation, wellness partnerships and smart AI integrations to help provide flexible benefits for the modern workforce

Next.js
Vue.js
Framer motion
ChakraUI
TailwindCSS
SCSS
AWS Amplify
Website
Spottr

Spottr

Helps brands and companies reach and manahe customers easily by creating distribution lists and ads based on location of customers and target brands

Next.js
Typescript
React
TailwindCSS
Redux
Google places
Payment gateways
Website
Cutstruct

Cutstruct

One-Stop shop to buy quality construction materials

Next.js
Typescript
TailwindCSS
React Query
Chakra UI
Website
Reeka

Reeka

Rental Management That Elevates Your Business. Automate, Optimize, and Grow Your Short Term Rental Operations with Ease

Next.js
Typescript
Prisma
TailwindCSS
Shadcn UI
Stripe
Cloudflare Workers
Charts
Google maps
Website
Volunteering & Hackathons

I like contributing

During my time in university, I attended a number of hackathons, and volunteered to some tech communities and events. It was eye-opening to see the endless possibilities brought to life by a group of motivated and passionate individuals. Some of my favorites are listed below.

  • F

    Flutterwave Hackathon

    Lagos, Nigeria

    First place in the 2021 Flutterwave Developers Challenge (Out of 643 Devs). A challenge to come up with a solution using flutterwave payment solution
    Source (Web)
    Source (API)
  • W

    Wordpress

    Open Source

    Community Manager - Volunteered for wordpress core community management in my city. Organized meetups, hackatons, and one of the biggest conference in my university (Wordcamp)
  • K

    Kora

    Ife, Nigeria

    Developed a web application which help university students ask and answer questions online. A stackoverflow for academics.
    Source (Web)
    Source (API)
  • G

    Google Developers

    San Francisco, California

    Volunteered in the management of the Google developers student chapter for my university
Contact

Let’s Connect & Innovate

I’m always eager to learn, explore new challenges, and connect with professionals who are passionate about technology and innovation. If you’re looking to elevate your projects with a blend of creativity, collaboration, and technical excellence, feel free to connect with me on Linkedin or reach out at tofmatt@gmail.com

LinkedIn