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Ricardo NelRN
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Ricardo Nel

@ricardonel

Solutions Architect at Q LINK Ltd designing always-on payment platforms across multiple payment rails.

South Africa
Message

At Q LINK Ltd, I architect and deliver payment orchestration platforms across multiple payment rails and collection methods. I design for always-on production, transactional correctness, resilience, and auditability.

I integrate banks, payment service providers, and third-party platforms in regulated financial ecosystems. I also embed KYC/AML and POPIA controls into platform architecture, including AI-enabled KYC systems for automated validation and decisioning.

At Numeral (Fintegrate Ltd), I set the technology strategy and engineering roadmap for financial platforms. I built and delivered a Financial Needs Analysis solution and scalable, white-labelled lending platforms, and introduced CI/CD pipelines and DevOps practices.

Earlier, at Clientele Ltd, I led multiple development teams and modernised systems in a regulated financial-services environment. Across my career, I’ve worked hands-on with C#/.NET and MSSQL, and applied TOGAF-based architecture practice at Hollard Group Risk Ltd.

Experience

Work history, roles, and key accomplishments

QL
Current

Senior Solutions Architect / Lead Engineer

Q LINK Ltd

Jul 2023 - Present (3 years 3 months)

Architected and delivered scalable payment orchestration platforms supporting multiple payment rails and collection methods. Defined event-driven, API-first and microservice architectures and integrated banks, PSPs and third-party platforms.

ML

Senior C# Developer

Momentum Ltd

Nov 2007 - Sep 2008 (10 months)

Developed enterprise applications using C# and .NET technologies.

EL

C# Senior Developer

EOH Ltd

Jul 2006 - Nov 2006 (4 months)

Developed enterprise applications using C# and .NET technologies.

GG

C# Senior Developer

GijimaAst Group

Jun 2001 - Jun 2006 (5 years)

Developed enterprise applications using C# and .NET technologies.

IT

Developer

Inventory Technologies

Oct 1999 - May 2001 (1 year 7 months)

Developed software applications, likely in inventory management domain.

Education

Degrees, certifications, and relevant coursework

BC

Business Connexion

TOGAF Level 1 & 2, Enterprise Architecture

Completed TOGAF Level 1 and 2 certification in 2013.

XG

X-Pert Group

Prince 2, Project Management

Completed Prince 2 Project Management certification in 2012.

University of South Africa logoUA

University of South Africa

Bachelor of Commerce, Information Technology

2008 -

Pursued a Bachelor of Commerce in Information Technology from 2008 to 2015, but did not complete the degree.

TS

Technical High School

High School Diploma, General

Completed secondary education at Technical High School in 1997.

Microsoft logoMI

Microsoft

Microsoft Certified Software Developer, Software Development

Earned Microsoft Certified Software Developer and Microsoft Database Administrator certifications in 2002 and 2003.

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