Carlos Melgoza

Hi, I'm Carlos 👋

Senior Software Engineer | Driving Innovation in Financial Technology Solutions | Expertise in Full-Stack Development, API Integration, and Scalable Systems

About

Hey there! I'm a Software Engineer with over +9 years of hands-on experience, specializing in full-stack development and financial technology. I love diving into challenging problems, building out APIs, and optimizing data processing systems that handle millions of transactions every week. My focus has always been on improving performance, scalability, and making sure things just work—whether it's for a small team or across an entire platform.

Work Experience

Nova Credit (YC W16)

January 2025 - November 2025

Sr. Software Engineer

Led design and implementation of MX Technologies integration, reducing account linking time from minutes to seconds and improving conversion rates by 2%
Designed and built Argyle integration to retrieve paystubs, analyze income data, and generate credit reports, delivering $50K ARR in MVP phase (projected $500K-$1M opportunity)
Built production-ready sandbox simulations showcasing diverse scenarios, earning recognition from Go-to-Market and Customer Success teams
Engineered a high-performance webhook system handling race conditions while maintaining sub-second response times and data consistency
Enhanced observability infrastructure, significantly reducing on-call noise and improving incident response efficiency

SnapTrade (YC W22)

2024 - 2025

Sr. Software Engineer

Implemented a transaction reprocessing logic that significantly improved the data quality of transaction histories, increasing the accuracy from 70% to 95%
Ensured that clients' portfolios were accurately represented, helping brokerages manage millions of transactions created week by week
Successfully migrated brokerages using the Financial Data Exchange (FDX) standard, ensuring smooth data integration and enhancing financial data flow across platforms
Provided hands-on customer support, working closely with clients to troubleshoot and resolve issues, ensuring an exceptional customer experience

Yo

2023 - February 2024

Sr. Backend Engineer

Enhanced credit risk assessment by working with AI-powered solutions to evaluate customer risk profiles and flag potentially fraudulent charges, ensuring customer safety and maintaining financial integrity
Integrated Paymentology to issue both digital and physical cards for customers, streamlining the card-issuing process across the platform
Built financial statement systems that provided 100% transaction history, overcoming challenges related to chargebacks, interest, and fees that occurred in different cycles
Worked in a monorepository, creating tools to support the development team in migrating from DynamoDB to MySQL 7, enhancing data management capabilities
Built internal frameworks for API integrations to support the scaling and development of backend systems

Guros

2020 - 2023

Sr. Fullstack Engineer - Tech Lead

Engineered an alternative customer funnel, enhancing payment success by 20%
Transitioned to serverless architecture, optimizing system efficiency
Boosted API response times by 80% using data sharding and Redis
Reduced deployment times by 60% through GitLab CI/CD and Docker optimizations
Established site monitoring with Grafana, Kibana, and AWS, reducing critical issue response time by 90% using Sentry, Kibana, and LogRocket
Developed multiple databases for scalable multi-tenant e-commerce platforms
Authored onboarding documentation and led engineer training, enhancing the onboarding process and time to first MR
Promoted continuous improvement through mentoring and feedback within the engineering team

Quality & Knowledge On IT Service

2019 - 2020

Fullstack Engineer

Spearheaded the development of a bespoke ERP system for the Mexican Federation of Football, significantly enhancing their operational management and data analytics capabilities
Innovated a UI template standardized with design rules for all components, markedly accelerating the development process and enhancing team productivity
Dedicated to modernizing and optimizing legacy systems, ensuring they meet contemporary performance and reliability standards
Achieved a groundbreaking 90% reduction in query response times by meticulously refining query structures, optimizing indexes, and automating maintenance routines

IES Systems

2018 - 2019

Fullstack Engineer

Actively contributed to key projects for high-profile clients including Walmart Latin-America, Santander Mexico, and Gentera, playing a pivotal role in driving project success and client satisfaction
Ensured direct oversight of team commitments, meticulously addressing client requirements and resolving project issues to maintain high standards of delivery
Led the development of two groundbreaking projects focused on legal document automation, streamlining the creation and signing processes for major corporations like Walmart Latin-America and Santander Group, significantly enhancing their operational efficiency

GYO Solutions

2015 - 2018

Fullstack Mobile Developer

Spearheaded the development of impactful projects for prestigious clients including Daimler México, PepsiCo, and MetLife, delivering solutions that drive business success and customer satisfaction
Worked closely with managers to prioritize tasks effectively, ensuring the delivery of high-quality results and meeting stringent client expectations
Collaborated seamlessly with multi-disciplinary teams, including marketing, design, and full-stack engineers, fostering a cohesive environment for innovation and project excellence
Played a key role in the development of mobile applications, utilizing a versatile skill set in PhoneGap, Ionic, Swift, and Unity to create engaging and user-friendly applications

Education

Tecnológico de Monterrey

B.S. Computer Science

ITMO University

Cybersecurity and Competitive Programming

Skills

Node.js

Python

Django

Flask

NestJS

Laravel

PHP

Spring Boot

.NET

Postgres

Redis

MongoDB

DynamoDB

MySQL

SQL

ORMs (Django ORM, SQLAlchemy, Prisma)

Docker

Kubernetes

AWS (ECS, EKS, S3, Lambda)

Google Cloud Platform (GCP)

Google App Engine

Terraform

Cloudflare

Celery

Upstash Redis

Webhooks Processing

Datadog

Grafana

Sentry

GitHub Actions

Java

C++

Arquitectura de software

Domain-Driven Design (DDD)

Event-Driven Architecture

API Design

Performance Optimization

Scalable System Design

GraphQL

E-Commerce Platforms

B2B Marketplace Development

Payment Integrations (Stripe, Lemosquezzy)

Gen AI

LLMs

Autotagging

Technical Leadership

Interview Preparation (Behavioral & Technical)

Content Creation

Process Optimization

Startup Experience

React

Next.js

Angular

Typescript

JavaScript

HTML

Bootstrap

Swift

Unity

Ionic

PhoneGap

Last but not least, diamond in Marvel Rivals 😎

Contact

Get in Touch

Want to chat? Just shoot me a dm with a direct question on Linkedin and I'll respond whenever I can. I will ignore all soliciting.