I build the financial apps opening up credit across Latin America.

The story

Three chapters, one obsession: financial software that can't go down.

1. 01 · Bancolombia · Bre-B

   The team that connected a bank to instant payments

   At Capgemini I was part of the team that developed the mobile front end of Mi Bancolombia's payment-keys pilot: the gateway that took the bank's clients into Bre-B, Colombia's Central Bank instant-payments system. I collaborated on API integration, widgets built on the corporate design system, and the architecture of critical transactional flows — the kind of software where stability is non-negotiable.

2. 02 · Creditop

   From zero to production — and from Colombia to the region

   At Creditop I lead mobile development and took the app from zero to public production: architecture (Flutter, Clean Architecture), plus product and architecture decisions across the whole chain. Creditop connects users, merchants, and lenders on a single platform, with one clear mission: a world without financial barriers. The mobile app is the front door, and the road runs from Colombia to the wider region.

3. 03 · AI-First

   I direct AI — I don't follow it

   I work AI-First: I use artificial intelligence as a multiplier to ship faster and with higher quality. But I lead the technical judgment and the architecture decisions. AI accelerates execution; direction stays human.

Experience

Professional experience

1. Creditop

   Oct 2025 – Present

   Mobile Tech Lead · Bogotá, Colombia (Remote)

   • Built the Creditop mobile app from scratch to public launch, defining the architecture (Flutter, Clean Architecture, MVVM) and native integrations in Kotlin/Swift.
   • Established CI/CD pipelines with unit and widget testing, enabling continuous releases on the App Store and Google Play.
   • Led an AI-First workflow, leveraging AI-assisted development to accelerate delivery while owning technical judgment and architecture decisions.
   • Drove product, design, and stakeholder decisions across clients and vendors, prioritizing the roadmap with metrics.
   • Delivered an app stable from day one, with zero downtime during the first hours of real traffic.

2. Capgemini

   Jun 2024 – Dec 2025

   Senior Mobile Flutter Developer · Medellín, Colombia (Remote)

   • Worked with the team that developed the mobile front end of Bancolombia's payment-keys pilot (Bre-B), the module that onboarded 9M+ bank clients to Colombia's Central Bank instant-payments system (105M+ keys nationwide; Bancolombia ~37% of transactions).
   • Integrated synchronous and asynchronous APIs for secure transactions across high-availability critical flows.
   • Implemented Clean Architecture and reactive patterns, reducing load times and resource consumption by 25%.
   • Built reusable Flutter widgets on the corporate design system and raised test coverage to 90% through unit, widget, and performance testing in CI/CD (GitLab CI, Azure DevOps).

3. Bop Solutions LLC

   Apr 2023 – Jun 2024

   Flutter Developer · Miami, FL, USA (Remote)

   • Developed mobile and web apps with Flutter for digital-health clients in the U.S. and Colombia (Tutti Saúde, Videoconsulta Compensar).
   • Integrated multiple backend APIs (authentication, user registration) and multi-language support, improving data-load efficiency.
   • Implemented a push-notification system with the backend team, improving user retention.
   • Published and maintained apps on the App Store and Google Play.

4. Globant

   Feb 2022 – Aug 2022

   Mobile Flutter Developer (Internship) · Colombia (Remote)

   • Wrote unit, widget, and functional tests to ensure the quality and stability of a production Flutter app.
   • Delivered new visual features and UX improvements; managed state with BLoC and Provider.
   • Collaborated through pull requests and code reviews across development and support teams.

5. Freelance

   Feb 2021 – Nov 2021

   Mobile Flutter Developer · Colombia (Remote)

   • Delivered cross-platform apps with Flutter/Dart for e-commerce and retail clients.
   • Integrated native modules in Android (Kotlin) and iOS (Swift) for payments and camera.
   • Automated unit and widget test coverage in CI/CD pipelines (GitLab CI).

Projects

Software in production

Skills

Technical skills

AI-First

AI multiplies. Judgment leads.

I work AI-First: I use artificial intelligence as a multiplier to ship faster and with higher quality, but I lead the technical judgment and the architecture decisions. I direct AI — I don't follow it.

Contact

One key connects you with me

In Bre-B, a key connects you to an account. Here, a key connects you to me. I'm always up for a conversation about mobile financial products, architecture, and high-performing teams.

• Emailpachperdev@gmail.com
• LinkedInlinkedin.com/in/pachperdev
• GitHubgithub.com/pachperdev