The CBS Developer Consultancy is an assignment focused on enhancing, customizing, and integrating the Core Banking System (CBS, typically Fineract/Mifos), the Information Management System (IMS), and related systems. The overarching goal is to significantly improve operational efficiency, data accuracy, and user experience across Inkomoko's financial operations.
Objectives of the Assignment
Specifically, the consultant will aim to:
- Review and Correct Loan Computations: Ensure financial accuracy by reviewing and correcting logic for prepayment, restructuring, penalties, and late fees.
- Enhance Loan Workflows: Implement features enabling rejection to previous stages, undoing of stages, activation of rejected loans, and effective handling of group loans.
- Strengthen External Integrations: Ensure robust connections with partner banks and mobile money platforms, including Equity Bank, Bank of Kigali, MTN, Ethio Telco, BGMFI, and Akufada MFI.
- Improve IMS–CBS Synchronization: Focus on data validation, rejection handling, and bulk document management for demographic and client records.
- Optimize Reporting and Dashboards: Enhance PMR, interest accrual, insurance, and UNHCR reports, alongside improved loan classification and arrears tracking.
- Streamline Data Governance: Improve data migration processes, user access rights, location mapping, collateral tracking, and CRB verification controls.
- Enhance System Usability: Add key features such as password reset functionalities, improved document visibility, optional next-of-kin details capture, and PWD inclusivity.
Scope of Work & Key Responsibilities
Fineract & Mifos Development and Customization
- Enhance and customize CBS, IMS, and integrated modules to align precisely with current business requirements.
- Modify and extend core system functionalities utilizing Java-Springboot, Angular - JavaScript, and MySQL.
- Implement automated loan workflows, approval hierarchies, and integration processes necessary for interfacing with partner systems and financial institutions.
Integration & API Development
- Design and implement secure RESTful APIs to integrate Fineract/Mifos with critical external systems (IMS, Odoo, Partner Systems, etc.).
- Ensure secure and reliable data exchange by implementing authentication standards (such as OAuth2, JWT) and robust error handling mechanisms.
Database Management
- Ensure optimal database design, continuous performance tuning, and efficient query optimization.
- Implement robust backup, recovery, and disaster recovery procedures.
QA, Security & Compliance
- Implement and maintain comprehensive automated tests (including unit, integration, and regression tests).
- Ensure data security both at rest and in transit through encryption and strict role-based access controls.
- Support internal and external audit readiness through the provision of detailed technical documentation.
Collaboration & Documentation
- Work closely and collaboratively with DevOps, QA specialists, and business analysts throughout the sprint delivery lifecycle.
- Maintain comprehensive technical and functional documentation for all developed modules and features.
- Actively participate in code reviews, design discussions, and sprint retrospectives.
Deliverables
Upon completion, the consultancy expects:
- Functional and stable Fineract/Mifos modules covering all assigned workloads (including loans, payments, reports, and client management).
- Integration scripts, API endpoints, and detailed documentation for CBS, IMS, mobile money, and other external systems.
- Secure, backed-up, and highly optimized Fineract/Mifos databases.
- Completed test cases, QA reports, and validation documentation for implemented workflows and loan processes.
- Monthly progress, system improvement, and status reports detailing feature deployment, bug fixes, and performance enhancements.
Required Profile
Essential Qualifications and Experience:
- 5+ years of dedicated Fineract & Mifos development experience (covering both backend and frontend).
- Strong proficiency in core technologies including Java-Spring boot, MySQL, Angular - JavaScript, and RestAPIs.
- Proven understanding of Linux operating environments and Git-based version control.
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