Backend Developer (Microfinance SaaS Dashboard)

Freelance / Deployed across 2 active centres in MP

Project  ·  Jan 2026 - Present

Project Details

• Architected a multi-tenant micro-finance SaaS platform with strict centre-level data isolation enforced via JWT payload with a 3-layer guard chain (JwtAuthGuard - CentreIsolationGuard - service-layer WHERE clause), making cross-tenant data leakage architecturally impossible.
• Built a complete loan lifecycle engine supporting EMI, bullet, and flexible loan types — covering disbursement, scheduled repayments, penalty tracking, pre-closure, and transaction reversal with idempotency guarantees and atomic receipt number generation.
• Implemented a 4-role RBAC system (Admin, Agent, Kiosk, Customer) with role-differentiated dashboards: admins see full financials and reports, agents see assigned collections only, and customers see their own loan/diary data.
• Designed supporting financial modules including a Saving Diary (with 365-day interest eligibility), Daily Register with auto-recalculating day-end balance, Udhar Khata ledger, and an immutable Audit Log.
• Enforced financial data integrity rules at DTO, service, and database levels, rounding monetary values via a centralised utility to prevent floating-point errors.
• Deployed on AWS Lightsail — configured the VPS instance, environment variables, PostgreSQL database setup, and production process management.