David Neale Chief Architect, Admiral Money

Straight answers on hard technical questions

Feasibility, risk and a plan, tested by building the thing myself

Companies
6
Concurrent users load-tested for the census
1m
In software
19yrs
About

"Can it be done?" is the question that usually lands on my desk

David Neale
David NealeCardiff, UK

I started in application support at Avon and Somerset Constabulary in 2007 and moved into development. Since then I've architected platforms for Google's open-source programmes (users in 123 countries), and designed the performance testing and led the cloud portability work for the 2021 UK Census platform, which went on to peak at 30,186 requests per second. Since 2019 I've been Chief Architect at Admiral Money, where the loan book has grown from £400m to £1.8bn.

People usually come to me with an idea and a question: is this possible, how hard will it be, and how do we plan it? I give a straight answer, then help turn it into a delivery plan. Lately that's often about AI: giving a regulated business governed access to LLMs, and rolling out agentic coding tools across an engineering team.

What I help with

  • Feasibility and risk assessment for ambitious technical ideas
  • Cloud and platform architecture (AWS, GCP, Kubernetes, Terraform)
  • Scaling and performance testing for high-stakes launches
  • Practical, governed adoption of generative AI and AI-assisted development
  • Technical strategy that engineers and executives can both act on

I'm still very hands on. I always have a terminal open although it's more likely to be running Claude Code than vim.

Outside work I fly gliders. I hold a Sailplane Pilot Licence, I'm Safety Officer at South Wales Gliding Club, and I'm building a new instrument panel for my PIK 20D. I also cook, tinker with electronics, play piano and guitar, and take the camper van away when I can.

Featured work

2021 UK Digital-First Census

One huge event, every ten years.

Case study · Office for National Statistics 2018 – 2019
Client
Office for National Statistics
Dates
2018 – 2019
Role
Technical Lead / Architect
Scale
~1M concurrent users

The UK holds a census once a decade and 2021 was the first to be designed digital-first.

The challenge

The existing survey data collection platform was running on AWS. The architectural team had two mandates: prove that the system was cloud-portable by migrating it to Google Cloud Platform, and show that it could handle the expected peak load: roughly one million households trying to complete it at the same time on census day.

My role

I joined the ONS architecture team as a technical lead for the electronic questionnaire (eQ) application. I subsequently moved into the Cloud Architecture team to work across software engineering, DevOps and architecture. I led the AWS-to-GCP cloud portability work, introducing Kubernetes-native deployments as part of the migration. I also designed the performance testing strategy. Generating a million realistic synthetic users at once is hard in itself: it meant modelling how people submit and how much headroom the infrastructure needed. We worked closely with Google engineers, because our load was beyond what they normally planned for.

The outcome

On 21 March 2021 the census launched and the digital collection system held. It peaked at 30,186 requests per second, with 427,838 submissions in the peak hour.

A technical review of the delivery can be downloaded from the ONS: Delivering the Census 2021 digital service.

Skills

Stack

What I’ve used most.

Architecture & strategy

  • Cloud Architecture
  • Technical Strategy
  • API Design
  • Microservices
  • Distributed Systems
  • TOGAF
  • Cybersecurity
  • Gen AI

Certifications

  • AWS Solutions Architect – Professional
  • AWS Solutions Architect – Associate
  • TOGAF® 9
  • CCSP
Experience

Engineering logbook

Professional experience, most recent first.

  1. 2019 — Now Cardiff · 7 yrs Current role

    Chief Architect

    Admiral Money

    Own the technology strategy. Joined when the company had £400m of loan balances and wasn't yet profitable; in 2025 it managed £1.8bn with £26m profit.

    • Direct integration with price comparison websites offering real-rate loan quotes, including a high-performance decision engine.
    • Designed and delivered the company's microservice platform on Kubernetes (EKS).
    • Designed and implemented a loan originations system; extended into wider CRM capabilities.
    • Drove AI adoption across the business: governed self-hosted AI chat platform, Claude Code for agentic dev tooling, early contact-centre experiments.
    • Kubernetes
    • AWS
    • Go
    • Python
    • Terraform
    • Docker
  2. 2018 — 2019 ONS · 1y 5m

    Technical Lead

    Office for National Statistics

    Tech lead on a multidisciplinary team developing the dynamic form builder powering online surveys. Moved into the architectural team focused on the 2021 UK digital-first census systems.

    • Led cloud portability: AWS to GCP migration with Kubernetes-native deployments.
    • Designed a scalable perf testing solution simulating 1M concurrent users.
    • Worked across engineering, DevOps and architecture disciplines.
    • Kubernetes
    • GCP
    • AWS
    • Python
    • Go
    • Terraform
    • React
    • Docker
  3. 2012 — 2018 London · 5y 10m

    Senior Developer

    Potato London Ltd

    Joined as a contractor working on Google projects and was offered a permanent role; promoted to senior developer not long after.

    • Architected two web applications for Google's open-source programmes — Summer of Code and Code-in — tech lead on a team of up to 18. The project cost around $2m and had users in 123 countries.
    • Designed Google Partners' global incentivisation programme with 30-language support and a fault-tolerant distributed transaction system.
    • Tech lead for the backend API of Google Ideas' (Jigsaw) Montage - collaborative YouTube discovery platform, later sold to Storyful and open-sourced.
    • Rewrote engineering hiring test to be both more revealing and more respectful of candidates' time.
    • Python
    • JS
    • App Engine
    • Django
    • Angular
    • MySQL
  4. 2011 — 2012 Cardiff · 1y 1m

    Senior Web Developer

    The Number UK Ltd (118 118)

    Continued development of the ASP.NET MVC website, then co-architected a cloud-hosted global search API used across kgb's international group. Wrote a durable, multi-threaded distribution system keeping data indexed across SQL, MongoDB and ElasticSearch.

    • C#
    • Python
    • ASP.NET MVC
    • Django
    • AWS
    • MongoDB
    • ElasticSearch
    • RabbitMQ
  5. 2010 — 2011 Cardiff · 11m

    Senior Web Developer

    Zipporah Ltd

    Re-architected a suite of solutions in use across local government in UK and Australia. Guided a team of six in MVC, NHibernate, IoC and unit testing; introduced continuous integration.

    • C#
    • JS
    • ASP.NET MVC
    • MS SQL Server
  6. 2007 — 2010 Bristol · 3y 4m

    Software Engineer

    Avon and Somerset Constabulary

    Started in second-line application support, then moved into software development.

Totals carried forward 19 yrs 6 companies 80+ engineers led £1.8bn loan book
Projects

Personal projects

Things I’ve built, mostly for gliding. All open source.

Currently

What I’m working on and thinking about

Contact

Get in touch

The best way to reach me is on LinkedIn. You'll also find my code on GitHub and my flying on Instagram.