Taras N.

I build the money-critical parts of web products: loan origination and underwriting systems, payment and bank-data integrations, and the automation around them. Laravel/PHP + Vue.js, 8+ years, 5,700+ hours on Upwork at 100% Job Success.

Recent work

A US loan origination platform - automated underwriting across six credit bureaus, Plaid bank verification, e-signature, and a decisioning rules engine on Temporal workflows
AI document processing on the OpenAI API - pulling income data out of uploaded paystubs, replacing manual review
A messaging engine delivering SMS and email to 2.5M+ recipients, with sender warming, engagement tracking and bot filtering
Performance work - a nightly job cut from 4.7 hours to minutes, streaming exports for 3M+ rows
Stack: PHP 8.3, Laravel 10/11, Vue.js, React, TypeScript, MySQL, PostgreSQL, Redis, Temporal, Docker, Nginx, GitHub Actions, PHPUnit, Cypress

Integrations: Plaid, credit bureaus, Stripe, DocuSign, Twilio (Voice/SMS/Flex), SendGrid, Meta & Google Ads APIs, OpenAI

Most clients start with one scoped task and stay for months.

Beyond fintech I take on any data-heavy or integration-heavy Laravel product - SaaS back ends, REST APIs, queue and workflow architecture, admin panels and dashboards.

If you need something built or fixed - just message me and we'll talk it through