CHUNG HO

CAREER SUMMARY

Results-driven Technical Lead with 10+ years of experience in designing and delivering scalable fintech platforms across digital banking, cloud-native systems, and enterprise software. Expertise in AWS-based serverless architectures, microservices, and high-throughput transaction systems.

Currently serving as Backend Technical Lead at Tyme, one of the world's fastest-growing digital banking groups. Successfully architected and delivered multi-country lending platforms across Southeast Asia and Africa — handling over $300M in annual loan volume and serving millions of users.

WORK EXPERIENCE

Technical Lead

2021 - Present

TymeX - one of the world's fastest-growing digital banking groups

Led backend architecture and engineering strategy for scalable, cloud-native lending platforms deployed across three countries. Delivered systems handling over $300M in annual loan volume, serving millions of users and thousands of merchants.

Architected a multi-country Merchant Lending Platform (5 loan products across 3 countries)
- Led end-to-end development of a unified merchant lending platform deployed in South Africa, Philippines, and Indonesia.
- Built using Python and AWS Serverless Stack (Lambda, API Gateway, DynamoDB, ALB, S3, SQS) to enable cost-effective scalability and rapid deployment cycles.
- Integrated with Mambu, CRM, Core Banking, Segment, Datadog, Databricks for real-time analytics and operational visibility.
- Led 2 Scrum teams totaling 15+ engineers, defining code quality standards, CI/CD pipelines, and architectural governance frameworks.
Designed and delivered the full lifecycle of an Advance Loan Platform
- Led a cross-functional Scrum team to design and ship a full-cycle digital lending solution for TymeBank, serving over 350,000 eligible customers.
- Architected a scalable backend system capable of processing 300,000 monthly loan disbursements, with throughput optimized for thousands of transactions per second during peak traffic.
- Designed and implemented automated repayment workflows to support efficient collection across over 300,000 active loans per month, ensuring system resilience, low latency, and high fault tolerance.
Led solution architecture for a Buy Now Pay Later (BNPL) Platform
- Designed and delivered a scalable BNPL solution for TymeBank in South Africa, enabling instant credit access at both physical and online retail points.
- Architected a cloud-native backend using Java/Spring Boot microservices on Amazon EKS, integrated with Kafka, WSO2, Mambu, and Databricks for real-time transaction processing and analytics.
- Led a Scrum team to implement core features: customer onboarding, settlement workflows, accounting modules, card-on-file, purchase lifecycle management, and loyalty-based incentive programs.
- Delivered a system that scaled rapidly to support 20,000 physical retail stores, 5,000 e-commerce merchants, and over 200,000 onboarded customers.

Software Engineer → Senior Software Engineer → Tech Lead

2014 - 2021

TMA Solutions - one of Vietnam's leading software outsourcing firms

Progressed from Software Engineer to Tech Lead, delivering enterprise-grade software solutions for global clients such as Nokia, Alcatel-Lucent, Philips, Broadcom Inc., TecAlliance, and more.

Designed and led implementation of end-to-end architectures for 5+ enterprise-scale client engagements
- Spearheaded full-lifecycle development across multiple domains including telecom, and automotive.
- Established technical standards, best practices, and documentation frameworks that improved long-term code quality.
- Mentored and led teams of up to 20 developers, providing architectural guidance, hands-on support, and career growth coaching.
FleetManager – SaaS Fleet Management Platform
- Led frontend architecture using Angular monorepo, supporting multiple interfaces including Admin Portal and Workshop Portal.
- Built RESTful APIs with ASP.NET Web API, integrated with Apache Kafka for event-driven communication, and deployed via Docker + Kubernetes for scalability and resilience.
Chatbot & Enterprise Search Solutions
- Led a team to deliver 4 Google Cloud Search applications for enterprises like Broadcom Inc. and Philips, enabling unified search across internal knowledge bases and business systems.
- Implemented full-stack solutions using Java, Spring Framework, RESTful APIs, ReactJS, Google Cloud, Google Cloud Search, and MySQL.
Task Center Platform – Network Device Management System
- Replaced a legacy desktop application with a modern web-based system to manage thousands of network devices at scale.
- Built a modular, component-driven architecture reused across 10+ admin applications, significantly improving development efficiency.
- Developed dynamic UI rendering components, allowing administrators to configure device management forms without code changes.
- Created a library of 20 reusable core components, shared libraries, and skeleton apps, reducing average page development time from days to under 3 hours.
- Full-stack implementation using Java, Spring Framework, RESTful APIs, Microservices, MySQL, and AngularJS.

EDUCATION

Bachelor of Information Technology

2010 - 2013

CTU University

TECHNICAL EXPERTISE

Solution Architecture & Engineering: Cloud-Native Design, Microservices, Serverless (AWS), Event-Driven Systems, Agile/Scrum

Cloud & DevOps: AWS (Lambda, API Gateway, DynamoDB, EKS), Docker, Kubernetes, CI/CD Pipelines

Backend Engineering: Java, Spring Boot, Python, Kafka, Observability, RESTful APIs, Microservices

Fintech & Banking: Lending Systems (BNPL, Merchant Cash Advance), Core Banking Integration, Payment Gateways, Mambu

Tools & Technologies: Git, Jira, Databricks, Datadog, Segment, Angular, React, Kubernetes, Docker

HONORS & AWARDS

Top Performance Employee of the Year – Tyme, 2023, 2024

Top Performing Employee (5 consecutive years) – TMA Solutions, 2016–2020

Nokia High Performance Award - Recognized for outstanding technical performance, leadership, and impact across multiple product teams – TMA Solutions, 2015