▍ About
Three decades of design, code
and stubborn pragmatism.
I'm Andrew — a fractional CTO and senior software engineer based at the intersection of strategy and shipped code. I've been doing this work since 1997, and the through-line has always been the same: align technology investment with business goals, then make it real.
Expertise in financial technology. 29 years turning ambiguous briefs into systems that ship, scale and don't wake you up at 3 a.m. Complex projects with financial maths, payment systems, risk management, regulatory compliance & Cybersecurity are all in my wheelhouse, but I'm equally at home building modern web applications and data platforms across various sectors.
How I work
Highly skilled and experienced in managing mid- to large-scale technology projects — but never above writing the code myself. I move between strategy and implementation as the work demands.
What I'm strong at
Breadth across software design and development, e-commerce, fintech, SaaS, APIs, founding-team support, operating tech businesses and digital marketing — so I can talk to engineers, founders and finance with equal fluency.
My comfort zone
Anywhere I can be creative in developing strategy and solutions that line up with investment budgets and business goals. The harder the constraints, the more interesting the problem.
Sectors
Where the work has taken me.
Different industries, same fundamentals — clarity of thought, well-chosen tools, and code you can live with.
- ● Banking
- ● Finance
- ● Health
- ● Art
- ● Music
- ● Fashion
- ● Education
- ● Retail
- ● E-commerce
- ● SaaS
- ● Fintech
- ● APIs
- ● Security
- ● Compliance
Principles
What I bring to every engagement.
▍ Budget-aware engineering
Technical choices framed in terms of business cost, lifetime value and team capacity — not novelty.
▍ Boring where it matters
Battle-tested tools for the load-bearing parts; novelty reserved for places it earns its keep.
▍ Honest reporting
Plain-language status, risks and trade-offs. No magic, no theatre.
▍ Test the load-bearing code
Pragmatic, not dogmatic. Tests where they pay back — and they almost always do.
▍ Hire and grow people
Engineering teams are built; not bought. I help do both.
▍ Ship it
A working v1 in production teaches you more than a perfect v3 on a branch.