Banking
From deposit flows to lending structure — operational depth and strategy.
Building at the intersection of banking and technology.
I’m Sage — I work in banking and build web products. I write about credit risk, financial systems, and how modern software changes both.
Focus
- Banking
- Web Dev
- Credit Risk
- Crypto
About
I help bridge finance and software — designing credit risk models, building web applications, and exploring crypto’s implications for payments and markets.
Principles
- Practical > theoretical; ship, then refine
- Clarity and simplicity in systems
- Skin in the game
“It is not the critic who counts... The credit belongs to the man who is actually in the arena...”
Focus
Four pillars of work and writing.
Web Development
Modern, performant interfaces — thoughtful UX and robust engineering.
Credit Risk
Pragmatic modeling and controls that serve customers and P&L.
Crypto
Infrastructure, issuance models, and market design with a risk lens.
Selected Work
Practical builds and experiments.
Recent Writing
Selected posts and notes.
- Interactive Loan Data Analysis in the Browser with TensorFlow.js
- Building Laybella.co.uk with WordPress and WooCommerce
- Building CastleWatch: My Journey into Web Development
- Peak: Secrets from the New Science of Expertise
- 4,000 Weeks: Time Management for Mortals
- Deep Work for Innovation
- 4 Mortgage Mega Trends
- The Twitter Bot Problem and First Principles
- The Science and Technology of Growing Young