~/projects/p2p-lending $ cat README
P2P lending core
3 yrs · Python · ledgering · scoring ML · e-sign · collections
what I walked into
P2P lending splits every loan across many investors — which splits every hard fintech problem into many hard fintech problems. Every cent must reconcile across all of them.
what I shipped
The marketplace core: order books and multi-investor deal mechanics. Virtual bank-account ledgering rebuildable from event history. In-house scoring models for credit decisions. Legally binding e-signatures inside the deal flow, collections automation, and real-time tooling for the support team.
status
3 years in production. Took away a rule I still code by: the ledger is the source of truth, everything else is a view.
rate --project
start --with polycratia
Building in the same territory? Judge me on a small paid task.