Shadrack Macharia

Software Engineer · CTO at Koya Bank · Nairobi, Kenya

Software engineer based in Nairobi, Kenya, working with teams worldwide. I design and build secure payment systems and scalable banking infrastructure, currently as CTO and core developer at Koya Bank.

Fintech Payments Banking Infrastructure Distributed Systems

What I've built

Koya Bank

A digital banking platform built in Kenya. As CTO and core developer I lead the engineering behind its payments infrastructure, core banking systems, and security, designed to handle real money with the reliability that demands.

koyabank.com

Experience

Chief Technology Officer
Jan 2024 - Present
Fintech
Core Developer
2022 - 2024
Engineering

About

I'm a software engineer and software developer based in Nairobi, Kenya, with deep expertise in financial systems. I've helped build secure, dependable infrastructure for digital banking, focused on scalable, resilient solutions for high-stakes financial workloads.

At Koya Bank I lead technical strategy, architecture, and hands-on platform development across payments infrastructure, core banking, security and compliance, and cloud-native scaling.

I care about building reliable products that people can trust with their money, and about growing the software engineering ecosystem in Kenya and across Africa.

Capabilities

Payments Infrastructure

Designing and operating payment systems and money movement rails built for correctness.

Core Banking Systems

Ledgers, accounts, and transaction processing engineered for auditability.

Distributed Systems

Resilient, fault-tolerant architecture for high-stakes financial workloads.

API Design

Clean, well-documented interfaces that other teams can build on safely.

Cloud & DevOps

Cloud-native deployment, observability, and scaling for production systems.

Security & Compliance

Building to the standard regulated financial products require.

Work with me

Hiring a software engineer in Kenya, or anywhere remote? I'm open to consulting and collaborations in fintech, payments, and infrastructure. The fastest way to reach me is email or Telegram.