Sep 08, 2026
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ODC: Debt-Settlement Modernization
Ongoing

ODC: Debt-Settlement Modernization

$100,000+
more 1 year
United States, California
2-5
Service categories
Service Lines
IT Services
Domain focus
Banking & Financial Services
Other
Programming language
Python
Frameworks
Node.js
React Native
Subcategories
IT Services
AI Staff Augmentation

Challenge

  • Talent scarcity. Senior engineers fluent in both AI tooling and English were in short supply domestically, slowing an active roadmap. 
  • Timezone friction. Earlier offshore attempts had limited working-hours overlap, creating lag in code review and decision-making.
  • AI skill gap. The existing team needed engineers who could apply AI directly inside fintech development, not reference it peripherally.
  • Onboarding speed. Any new engineer had to contribute meaningfully within weeks, not months.

Solution

  • Full timezone overlap staffing. Engineers matched to CDS's exact working hours, removing traditional offshore handoff lag. 
  • AI-native engineering bench. Engineers selected and trained specifically to apply AI tools inside CDS's fintech workflow. 
  • English-first vetting.English fluency prioritized in every hire so engineers contribute directly, with no translation layer. 
  • Roadmap-aligned onboarding. Onboarding structured around live sprints so engineers shipped real work from week one. 
  • Team: 1 Technical Lead, 4 AI-native backend engineers, 2 full-stack engineers, 1 QA engineer. The Technical Lead aligns daily with CDS's core team on priorities, code standards, and sprint commitments. 
  • Stack: React, Python, Node.js, REST APIs, AWS, OpenAI API, Agile/Scrum.

Results

  • 2 weeks onboarding time
  • 100% US timezone overlap
  • 90% senior engineers AI-native and English-proficient
  • 40% operational cost saved
  • Delivered end-to-end technical leadership for a non technical client
  • Stabilized an inherited system with cleaner architecture and predictable processes