Transforming financial systems.
Integrated platforms. Smarter decisions. Trusted delivery.
I help financial institutions modernize how they operate — from streamlining credit workflows and building middleware integrations to defining digital banking platforms and migrating enterprise systems. With experience across consumer credit, online banking, and financial compliance, I bring product clarity and technical depth to every engagement.
Credit Middleware Integration Engineering
Led the mapping, documentation, and validation of credit bureau API integrations to enable real-time credit scoring within middleware platforms.
Consumer Credit Workflow Implementation and Mapping
Translated existing credit workflows into a modern application environment, mapping user journeys and refining processes to enhance operational efficiency.
Online Banking Platform Requirements Ownership
Specified functional and technical requirements for core banking features, user flows, and middleware integrations to support seamless online banking operations.
Commercial Credit Systems Data Enablement
Engineered data flow requirements and specifications to optimize commercial banking credit evaluation processes across legacy and modernized platforms.
Projects in the Financial Services Industry
Credit Bureau Integration for Prequalification
Enabled real-time credit scoring via middleware integrations.
SAP SuccessFactors HR System Migration
Defined requirements and data mapping for HR system migration.
Credit Workflow Mapping in Modern App Development
Translated legacy credit flows into a modern application.
Online Banking Platform Specification and Handoff
Led requirements and data flow design for a banking platform.
Commercial Credit System Data Enablement
Mapped data flows to improve commercial credit assessments.
Contact me
Jose Luis Cruz Morales
Monterrey, Mexico
Central Time Zone (GMT +6)
MX Phone: +52 8110325292
WhatsApp: +52 8110325292
Linked In: joseluis.cruz
Email: me@joseluiscruz.com
Github: teacherjoseluis