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Collins KIPTOO

@collinskiptoo2

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Software Engineer at Cloover who shipped lending, payments, and 30+ platform integrations.

Kenya

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At Cloover, I worked across a climate-fintech lending platform, from offers and checkout to credit decisions, contracts, invoicing, and payments. I shipped 30+ integrations and built an eligibility audit system for the EIF guarantee.

Before Cloover, I contributed to finance and document-intelligence products at Naviu.tech, and shipped marketplace, e-commerce, SaaS, and AgriTech apps at Optimal.dev and Webmastry.com. I also completed freelance Bubble.io contracts, including consolidating several apps into one application.

Experience

Work history, roles, and key accomplishments

Software Engineer

Cloover

Feb 2024 - Sep 2026 (2 years 7 months)

Built across the entire lending platform for residential solar, storage, and heat pumps, including offers, checkout, contracts, invoicing, payments, and compliance systems. Led credit decision integrations, 30+ third-party integrations, and migration to Google Cloud.

Bubble.io Stripe SEPA Buckaroo SCHUFA CRIF Postmark DocuGenerate HubSpot Zapier Google Cloud Platform Claude Code Buildprint REST APIs Webhooks

Freelance Bubble.io Engineer

Upwork

Jan 2021 - Jan 2026 (5 years)

Completed 7 contracts with a 5.0 rating, including a ten-month fullstack engagement for a US client consolidating apps and adding Bulk Create API support.

Bubble.io API Integration QA

Software Developer

Naviu.tech

Feb 2023 - Jan 2024 (11 months)

Developed backend and dashboard for Fence, an asset-backed finance operations platform, and front end and review flows for Koncile.ai document intelligence over AWS Textract.

Backend Development Dashboarding AWS Frontend

Software Developer

Webmastry.com

May 2022 - Jan 2023 (8 months)

Developed Compminer, an anonymous compensation-benchmarking SaaS with survey collection and market comparison charts.

SaaS Survey Data Visualization

Software Developer

Optimal.dev

May 2022 - Jan 2023 (8 months)

Built six production apps across marketplaces, e-commerce, SaaS, and AgriTech, including a freelance marketplace with Stripe Connect and a five-channel inventory sync.

Stripe Connect Shopify Amazon eBay Xano Docusign