Kreshnik Malaj

Backend engineer, payments and financial systems, Prishtina, Kosovo

I build payment and ledger systems where every amount has to add up.

Six years in banking and payments, mostly C# and .NET. I work on the payments platform at Buckaroo, a Dutch payment service provider, and outside that I build and run NovaHR, an HR and payroll product for companies in Kosovo.

A 10.00 fee split across three lines
LineExactRoundedAllocated
A3.33333.333.34
B3.33333.333.33
C3.33333.333.33
Total10.009.9910.00

Rounding each share loses a cent. Giving it to the largest remainder puts it back.

About

Most of my work sits where money moves: reconciliation, ledgers, invoicing, hosted card fields, and the services around them. The part I care about is correctness under real conditions. Files get delivered twice, requests race, rounding leaves a cent behind, and a match that looks plausible is sometimes wrong.

Day to day that means C#/.NET, MySQL, RabbitMQ, Elasticsearch/OpenSearch and AWS, with TypeScript and Python where the problem needs them. I write the design document before the code, and I stay on call for what I ship.

Experience

2023 to nowNetherlands, remote

Buckaroo

Software Developer

A Dutch payment service provider handling high volumes for European merchants. In a team of five, I help break a live payment platform into .NET microservices and own the services I build in production.

  • C# / .NET
  • MySQL
  • RabbitMQ
  • OpenSearch
  • AWS
  • TypeScript

Architecture

  • Decomposing a large legacy payment platform into .NET microservices while it stays live: versioned APIs, incremental cutover, and moving hundreds of thousands of records with minimal downtime.
  • Designed the service template and shared packages other teams start new services from, and wrote the company-wide code guideline.
  • Event-driven integration over RabbitMQ with a transactional outbox, and search read models kept in sync under eventual consistency.
  • Write the design documents behind the work: state machines, migration and rollback plans, observability and explicit non-goals.

Built and owned

  • An invoicing service from scaffold to production, with a state machine, per-status idempotency and a retrying saga worker.
  • A reporting service that delivers scheduled reports to S3, SFTP and email.
  • Core work on the merchant platform across three API versions, including a grouping model with a settings cascade that reports where each value came from.
  • A hosted-fields payment SDK in TypeScript: card inputs load in cross-origin iframes, so card data never reaches the merchant's servers.

Financial correctness

  • A four-stage reconciliation matcher that escalates ambiguous matches instead of guessing.
  • Bank statement import with three idempotency layers, an append-only ledger, and a fee allocator whose parts always add up to the total.

Reliability

  • Fixed a race in ID allocation with an advisory lock, and owned the follow-up incident.
  • Rewrote the shared cache client after two incidents. About 30% faster retrieval from a schema and index redesign, and about 20% lower API response times.
  • Week-long on-call every five to six weeks. I review the team's SQL and application changes, and mentored a QA engineer.

My productKosovo

NovaHR

Founder, built alone

A multi-tenant HR and payroll product for companies in Kosovo that I built and sell on my own. It runs in production for three companies and about 70 employees.

  • .NET 8
  • EF Core
  • MySQL
  • React
  • React Native

What it does

  • Gross-to-net payroll with Kosovo income tax and pension, plus the declaration and bank payment files.
  • Geolocated attendance, shifts and leave, from a web app and a mobile app.
  • A public API, billing and subscriptions.

How it is built

  • .NET 8 with Clean Architecture and EF Core on MySQL, permission-based access control and per-tenant quotas.
  • A React and TypeScript web app, and a React Native (Expo) mobile app.
  • Integration tests that run against a real MySQL, deployed with Docker, Caddy and GitHub Actions.

2012 to nowFushë Kosovë, Kosovo

Babita

IT and systems, family business

Our family business. On evenings and weekends, alongside my engineering jobs, I run its IT and build the tools the team uses every day.

  • .NET 9
  • Shopify
  • PWA
  • Python
  • Run all IT for the business: network, workstations, connectivity, the sales and ERP system, and secure remote access.
  • Built BabitaTools in .NET 9: product and stock sync from the ERP to Shopify, and a B2B read API, with an outbox, nightly reconciliation and dry-run by default.
  • A mobile product search for staff that shows stock, warehouse location and price by name, code or SKU.
  • Python tools, including a catalogue builder that merges ERP and supplier data into Word catalogues.
  • Represent the business in negotiations with international suppliers, including the opening stock order for a second store.

2021 to 2023Poland, remote

Asseco SEE

Software Developer

Banking software for enterprise bank customers, in a fully remote team of ten across several countries. I joined on mobile and moved to backend.

  • C#
  • .NET
  • SQL Server
  • Proposed and built a three-tier architecture that made the core product easier to scale and maintain.
  • Tuned SQL Server queries and stored procedures for about 20% faster processing.
  • Wrote the development documentation that let features move between teams and time zones.

2022USA, remote

Spaxel

Software Engineer, contract

A contract alongside Asseco: internal software for a US real estate company, covering tenant communication and maintenance.

  • C#
  • Python
  • Automated the regression suite, cutting regression time by about 80%.
  • Refactored to a service and repository pattern, with unit and integration tests.
  • Python scraping and scheduled jobs, and three to five production issues resolved a day against live data.

2020 to 2021Prishtina, Kosovo

Appdec

Junior Software Developer

Shipped the first working releases of two projects that had stalled for years.

  • .NET Core
  • EF Core
  • SQL Server
  • Both projects were built on .NET Core, EF Core and SQL Server.

Contact

I take on selected contract work through Nova Tech Solutions L.L.C. Email is the quickest way to reach me.

kmalaj2@gmail.com