Case Study12 min read
How We Reduced a Fintech's NPL Rate by 44 Points in 3 Months
A detailed breakdown of the AI-driven risk scoring system we built, the infrastructure changes required, and the measurable business outcomes.
Read articleAI Strategy · Architecture · Implementation
I set your AI strategy. Then I build what it requires.
Most companies hire a strategist who hands them a deck, or a developer who builds without a strategy. Neither works. I handle the full chain — deciding what to build, designing the architecture, and shipping it to production.
Olusola Akinsulere — Founder, QuantaBridge Labs
10+
Years in Production Systems
$500K+
Delivered in Savings
44pp
NPL Reduction
99.9%
Uptime Delivered
Who This Is For
I work with companies at an inflection point.
Not companies experimenting with AI. Companies committing to it.
You have AI ambitions but legacy infrastructure.
Your business case for AI is solid. The data exists. But your systems weren't built to ingest it, process it, or serve model predictions at scale. You need someone who can close the gap — not just diagnose it.
You've had a failed or stalled AI initiative.
A project got to proof-of-concept and never reached production. The model worked in notebooks. The infrastructure didn't. You need an engineer who thinks about systems, not just algorithms.
You need technical leadership without a full-time hire.
You're a CTO, VP of Engineering, or founder who needs a strategic partner — not a contractor executing tickets. Someone who owns architecture decisions, pushes back on bad ideas, and transfers knowledge to your team.
You're planning a major modernization.
Monolith to microservices. Legacy stack to cloud-native. Batch to real-time event streams. You need someone who's done it before in production — not just on a whiteboard.
Who I Am
I've built these systems. I know what breaks them.
I'm Olusola Akinsulere — a software engineer and AI strategist who spent a decade building production platforms before I started consulting. Loan decision engines. Real-time event pipelines. Payment infrastructure at scale. Systems that couldn't go down.
I founded QuantaBridge Labs because I kept seeing the same failure pattern: a strategist would deliver a technically naive roadmap, or a developer would write architecturally wrong code. Neither moved the needle.
I do both. I figure out whether AI is the right bet and which bet to make — then I build the system that delivers it. When the engagement ends, your team owns it. Based between Lagos and Helsinki, working with companies globally who are serious about modernization — not just talking about it.
What I Do
Strategy. Architecture. Build.
Three capabilities, one value chain. From “should we invest in AI?” to “it's live in production.”
How I Work
Three phases. Ends with your team owning the result.
Most engagements create dependency. Mine doesn't.
01
Phase 1
2 weeks
AI Readiness Audit
Before anything gets built, I assess your current architecture, data maturity, and engineering practices. You get a written roadmap with prioritized recommendations — whether or not you continue to Phase 2.
- Architecture assessment report
- Data pipeline evaluation
- AI readiness scorecard
- Prioritized modernization roadmap
02
Phase 2
3–6 months
Platform Modernization
I lead the migration. I build the infrastructure. I ship production-ready systems. This isn't a report with recommendations — it's execution.
- Microservices migration
- Event-driven pipeline setup
- MLOps infrastructure deployment
- CI/CD and observability tooling
03
Phase 3
Ongoing
Team Transformation
I train your team to own and operate what we built. Documentation, runbooks, modern engineering practices. The goal from day one is that you don't need me anymore.
- Hands-on engineering training
- Agile process implementation
- Documentation & runbooks
- Advisory support
Case Studies
Real results. Real production.
Every project here shipped to production and delivered measurable business outcomes — across AI, payments, distributed systems, retail, and IoT.
44pp NPL reduction
AI / Compliance
AML/KYC/KYB Compliance Platform
Built AI-powered compliance infrastructure for a digital lending platform, automating identity verification and risk assessment that previously required manual review for every application.
Key Impact:
- NPL rate reduced from 90% to 46% (44pp improvement)
- 15% improvement in customer onboarding time
- Automated 80%+ of manual KYC reviews
- $30K/month loan volume with improved risk scoring
PythonMachine LearningNode.jsPostgreSQLAI/ML Pipelines
$500K+ in savings
Digital Transformation / Payments
Payment Implementation & Decision Engine
Led end-to-end digital transformation including payment integration, Temporal workflow migration, and intelligent loan decision engine development for a financial services group.
Key Impact:
- 60% improvement in p95 response times via Temporal migration
- Loan decisions fully automated end-to-end
- Zero-downtime deployment pipeline established
- $500K+ in operational savings through modernization
GoPythonPostgreSQLTemporalAPI Integration
More Work
Fintech / API Infrastructure
Payment Gateway & API Infrastructure
99.9% uptime
GoNode.jsPostgreSQL
Enterprise / Retail
Scalable Retail Backend Systems
$120K/qtr overstock prevented
GoPythonRedis
Engineering / Infrastructure
Distributed Systems & Cloud Architecture
10x traffic spike handled
GoDockerKubernetes
IoT / Hardware Integration
IoT & BLE Device Integration
Sub-100ms latency
Node.jsBLE/GATTIoT Protocols
Is your platform ready for what you're planning?
A free 30-minute call is enough to identify whether your current architecture can support your AI ambitions — and what it would take to get there.
How I Work With Your Team
I build the team, not just the system.
Feedback from engineers I've mentored through the Formation program — showing how I approach team enablement, not just individual contribution.
View client recommendations on LinkedIn“The Formation program connected me with Olusola, whose feedback on my loan servicing system was exceptional. He didn't just review code — he helped me rethink the architecture for better scalability and maintainability.”
Software Engineer, Formation Fellow
“Working with Olusola through Formation was transformative. His guidance on building production-grade backend systems gave me the confidence to tackle complex projects. The mentorship was hands-on and practical.”
Backend Engineer, Formation Fellow
“Olusola's approach to engineering mentorship is unique — he focuses on real-world patterns and production readiness, not just theory. His feedback on my API design fundamentally improved how I think about system architecture.”
Full Stack Developer, Formation Fellow