Gui Gonçalves

• Reworked Funding Circle’s credit strategy for IB’s Gen 6 platform. Changed decision order, removed steps, and added automation.
• Streamlined the operational process around it. Improved funnel shape, cut bureau-pull costs, and fed richer data into the models.

Joined a team rebuilding after layoffs and took ownership of inherited systems while continuing to ship without a formal handover.

• Mapped the underwriting process end to end and drove a lighter-touch application journey for smaller loans. It improved conversion in that segment while reducing operational load.
• Built a Ruby DSL for credit eligibility rules, cutting turnaround for new rules from days to hours.
• Generated decision graphs from the DSL. This made the rule logic more transparent to the Risk team and easier to audit.
• Built a real-time UI that gave the Risk team direct visibility into credit strategies and reduced day-to-day reliance on engineers.

• Led a strategic reshaping of the loan applications funnel, balancing drop-off, decline rates, and data-pull costs while reducing operational burden.
• Improved core system MTBF from days to months without freezing roadmap work.
• Mentored a junior engineer to promotion by helping them take on larger, more visible pieces of work.

• Led the first extraction from a core monolith into Kubernetes, establishing a reusable modernization pattern in a risk-averse environment.
• Took ownership of a critical real-time TypeScript data library, added Kafka and kdb+ integrations, and helped onboard a new team onto the system.

• Built the first version of a workflow engine for visual and metadata classification, replacing a fragile choreography model with a clearer, more observable system.
• As the initial sole developer, shipped a platform that handled 10× claims growth on its first day and onboarded the engineers who joined as the team grew.
• Reduced the time to implement new checks from over a month to less than a week by giving the system a more expressive task model.
• Built a damage assessment web app for users under stress, designing the experience around limited attention, mobile use, and the cost of getting important details wrong.

• Took a skunkworks security product from proof of concept to production as its sole developer and designer.
• Built an interactive graph-based investigation experience that helped analysts explore intrusion paths, lateral movement, and relationships between hosts, DNS resolutions, file hashes, and downloaded files.
• Delivered other major product surfaces, including data visualization for network health, the device management interface, and a new UI for exploring mail events.