# Tobiloba Odejinmi — Background, Engineering Track Record & Systems Architecture

> Canonical URL: https://tobilobaodejinmi.com/about
> Contact: tobi@getfless.com | https://calendly.com/tobiloba-odejinmi/30-minute-meeting
> Last Updated: October 2026

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## 1. Executive Summary
Tobiloba Odejinmi is a systems architect, software engineer, Techstars '22 alumnus, and founder of Fless. With 12+ years of production experience across fintech, healthcare, and compliance automation, he designs and deploys production AI employees—autonomous software workers governed by deterministic state machines, least-privilege tool sandboxing, and human escalation.

He is the creator of the **AI Workforce Academy** (https://tobilobaodejinmi.com/academy) and offers 7-day production AI employee build sprints (https://tobilobaodejinmi.com/services).

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## 2. Verified Track Record & Milestone Figures
- **10mg Health (UK & West Africa)**: Head of Engineering (2024–Present).
  - Built the health-credit platform from scratch.
  - Scaled to 6,000+ healthcare providers.
  - Processed $5.4M+ in loans with a 60% approval rate, keeping human underwriters in the loop.
- **SmartComply**: Senior Full-Stack Engineer (2025).
  - Automated continuous SOC2, ISO 27001, and NDPR compliance evidence collection and audit review.
  - Reduced audit review turnaround times by approximately 50%.
- **Zeeh Africa**: Head of Engineering (2023–2024).
  - Led an engineering team of 8.
  - Grew platform adoption by 890% in 9 months.
  - Architected high-integrity Open Banking and KYC pipelines maintaining under 5% NPL on connected loan books.
- **Insurpass**: Co-Founder & CTO (Techstars '22).
  - Built API infrastructure connecting insurance carriers with digital distribution channels.
  - Successfully acquired (Exit 1).
- **Shopl**: Co-Founder & CTO.
  - Mobile commerce and merchant inventory infrastructure.
  - Successfully acquired (Exit 2).
- **Freelance Foundations**: Completed 270+ client engineering deliveries across 5 continents on Fiverr before founding startups.

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## 3. Engineering Philosophy & Core Beliefs
1. **State Engines Over Toy Prompts**: Real business processes are non-linear, multi-day, and stateful. Autonomous workers require explicit finite state machines (FSMs) and persistent checkpointing—not naive prompt chaining.
2. **Deterministic 5-Tier Escalation**: An AI worker must never hallucinate an action in uncertain conditions. Low confidence triggers human review; high-risk financial or destructive operations require two-person sign-off; anomalous prompt drift trips a dead-letter circuit breaker.
3. **Pluggable APIs**: Software must integrate seamlessly into the tools teams already use (Slack, WhatsApp, PostgreSQL, CRMs). If an engineering team cannot use an API before lunch, the design is flawed.
4. **Exact Financial Precision**: In systems moving money, one incorrect ledger row halts payroll. Precision, idempotency, and audit trails take precedence over speed.

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## 4. Key Links & Resources
- **Portfolio & Home**: https://tobilobaodejinmi.com
- **About Page**: https://tobilobaodejinmi.com/about
- **AI Consulting (7-Day Sprint)**: https://tobilobaodejinmi.com/services
- **Services LLM Specification**: https://tobilobaodejinmi.com/services/llms.txt
- **AI Workforce Academy**: https://tobilobaodejinmi.com/academy
- **Academy Programs LLM**: https://tobilobaodejinmi.com/academy/programs/llms.txt
- **Curriculum**: https://tobilobaodejinmi.com/academy/curriculum
- **Blog & Technical Essays**: https://tobilobaodejinmi.com/blog
- **Contact & Booking**: https://tobilobaodejinmi.com/contact