Nelo Tech Stack

Buy-now-pay-later platform for Latin American consumers

Financial Services CDMX, Mexico 11–50 employees Founded 2019 Privately Held

Nelo finances consumer purchases across Latin America with a Kotlin + Spring + AWS backend now migrating to microservices. The tech stack and project list reveal scaling pain: they're moving from a monolith to handle millions of transactions while fighting credit loss, first-payment default, and fraud—signals of rapid growth hitting operational limits. Hiring is heavily weighted toward finance and security roles, suggesting credit risk and compliance are chokepoints, not engineering velocity alone.

Tech Stack 17 technologies

Core StackKotlin Spring AWS Terraform Oracle Python Looker Metabase Power BI SQL Jupyter GuardDuty CloudTrail IAM Claude Excel Google Sheets

ReplacingKotlin

What Nelo Is Building

◆Challenges

Credit loss performance
Reducing first payment default rates
Transitioning architectures for millions of transactions
Increasing portfolio resiliency
Migrating monolith to microservices
Optimizing processing cost and commission revenue
Sustaining 100% loss increase
Capping uncapped fraud risk
Moving from monolith to microservices
Processing millions of transactions

▲Active Projects

Microservices migration from kotlin monolith
Portfolio resilience modeling
Backend systems for rapid growth
Fraud threat assessment
Causal inference models for underwriting and portfolio management
Design and ship backend systems for scale
Product marketing communications
Credit policy experiments
Influencer and creator campaigns
Month-end close across mexico and us entities

Hiring Activity

Accelerating25 roles · 10 in 30d

Department

Finance

Engineering

Security

Data

Marketing

Ops

Support

Seniority

Senior

Director

Mid

Manager

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About Nelo

Nelo offers buy-now-pay-later credit to consumers in Latin America, with operations spanning Mexico and the United States. The platform runs on Kotlin and Spring atop AWS, with Oracle databases backing transaction processing and risk modeling. Core challenges center on portfolio resilience and loss management: the company is migrating from a monolithic architecture to microservices to handle transaction volume, while simultaneously improving fraud detection, reducing default rates, and optimizing underwriting through causal inference models. The finance and security hiring mix reflects active investment in credit policy and risk infrastructure.

HeadquartersCDMX, Mexico

Company Size11–50 employees

Founded2019

Hiring MarketsMexico, United States

Frequently Asked Questions

What tech stack does Nelo use?

Kotlin, Spring, AWS, Oracle, SQL, Python, Terraform. Analytics layers include Looker, Metabase, and Power BI. The company is replacing Kotlin as part of a microservices migration.