I've spent 13+ years building digital financial infrastructure across African markets, designing scalable, regulated systems for banks, mobile money operators, and the public sector. My work sits at the systems layer: turning institutional workflows, data flows, controls, and stakeholder needs into interoperable architecture that can be built, governed, and audited.
Today I'm focused on behavioural intelligence: early-warning systems that help financial institutions act on customer risk and intent before it becomes loss.
Selected Work
Behavioural intelligence & early-warning systems
Okestreta, Founder & Lead Architect (2025–present). Risk, churn, and disengagement surface in behavioural data long before they reach management reporting. I'm building the platform that reads them: early-warning frameworks that convert transactional data into risk and intent signals, dynamic segmentation that surfaces pre-arrears and pre-disengagement indicators, and interpretable, explainable scoring suitable for regulated financial services. The point is for institutions to intervene early and in proportion.
GreenHub EV, early-warning and asset-finance risk. For an electric-motorcycle asset-finance portfolioA joint venture between Motorcare Uganda and Nexus Green., I designed an early-warning risk and behavioural-incentive framework, translating live portfolio behaviour into risk states, intervention triggers, repayment signals, and reporting logic. It was delivered as implementation-ready specifications with practical guidance for management, technical, and operating teams.
Digital financial infrastructure
MTN Mobile Money Open API, with World Bank CGAP (2018). I led technical delivery of the pan-African mobile money APIDelivered through Sparkplug, spanning 11 countries., converting platform strategy into API specifications, integration logic, documentation, SDKs, training, and partner onboarding. The platform has since grown to more than 1,600 ecosystem partners and 338M+ transactions.
Opareta, Co-Founder (2021–2024). Mobile money agent networks run on liquidity most of them can't finance. I co-founded Opareta and led product and engineering, building agent-finance infrastructure that integrated mobile money data, credit rules, repayment tracking, portfolio monitoring, and early risk signals. Work with IDEO grew monthly loan disbursements roughly 9.5×, from about 14,000 to 135,000 a monthAt a 5% default rate and an 85% repeat-loan rate., while an enterprise pivot secured multi-year partnerships with MTN Group and Africell Group.
Flutterwave, Product Manager (2021). Led product for the B2B Fintech-as-a-Service platform serving SMEs across Africa, using data-driven experimentation to improve engagement and reliability in high-volume transaction environments.
Public-sector & development technology
EduTrac, UNICEF (2012–2013). Built an SMS-based education monitoring system for Uganda's Ministry of Education & Sports, working with government stakeholders on rural deployment and adoption.
Commodity Management Platform, Clinton Health Access Initiative. Developed a platform for Uganda's National Medical StoresThrough an MOU with the Ministry of Health, endorsed by the Government of Uganda., improving delivery of essential medicines to rural facilities.
Starkey Hearing Foundation. Built an international mission patient database supporting healthcare delivery in underserved regions.
Liga Inan, Catalpa International, Timor-Leste (2015–2016). Conducted user research and iterative development for Timor-Leste's first m-health project and related platforms across maternal health, water & sanitation, and education, contributing Python and Django in collaboration with local stakeholders.
Kind words
I had the pleasure of working with Raymond and his team while building out the very first international patient database for Starkey Hearing Foundation in 2013. Raymond applied design thinking to the project, even traveling to multiple countries to observe and dissect all the steps involved in data collection (including in very rural settings) before setting out to build the database. I could not have been happier to work with Raymond on such a monumental project, one that took the first evidence-based, on-the-ground accounting of the foundation’s true footprint. Raymond and his team were wonderful to work with!
Raymond is a really sharp, innovative, and bright engineering mind. He has a great eye for UX design and experience. I highly recommend him for product management or front-end projects and am excited to see what new technologies he introduces to the market.
I directly supervised Raymond when he worked with the software development team at UNICEF T4D (Kampala) in 2012. Raymond is a keen product designer and developer with an eye to detail. He worked closely with UNICEF program staff and the Ministry of Education and Sports to design and develop a school monitoring software product which was later rolled out in over 26 districts across the country. He loves to work with products that catch and captivate the specific interests and needs of the end user. I would highly recommend Raymond for work in software development, software product design, business analysis, quality assurance roles and other functions of the software development life cycle.
I was a consultant working beside Raymond. His enthusiasm and creativity are fantastic when creating a website or database. An ease to work besides!
Raymond is a professional and motivated designer who cares about producing products that are useful for our end-users. He kept asking important questions such as “how can we create better products that people want to use?” and “is this product really useful for our end-users?”
Background
My path here ran from public-interest technology into financial infrastructure by way of company-building. I began writing software for health and education systems in Uganda, and later Timor-Leste, and then spent much of the next decade, through my consultancy Sparkplug, building digital infrastructure for health and financial services. I later co-founded Opareta, and now build behavioural intelligence at Okestreta.
I trained as a Telecommunications Engineer at Makerere University, with undergraduate research done through the MIT iLabs Africa program. For the full chronology, see my LinkedIn.