FinTech & Payments
PCI DSS Level‑1, Card Issuing & Acquiring, Digital Wallets, AML/KYC, ISO 8583, Rules Engine, Core Banking.
ABOUT
CORE COMPETENCIES
Languages & Frameworks
Python / FastAPI, Python / Django, Java / Spring Boot, Node.js / NestJS and ExpressJS, TypeScript, PHP / Laravel, Apache Kafka, QA / Playwright.
AI & Integration
LLM Integration, RAG, LangChain, AI Models Integration (API-based and self-hosted), pgvector.
Leadership & Management
Technical Project Management, Team Leadership (30+), Solutions Architecture, Technical Roadmapping, Stakeholder Management, Agile/SCRUM.
Cloud & Infrastructure
AWS (Textract, KMS, multi-region, S3, ECR, EC2), Kubernetes, Docker, CI/CD, Railway.
Architecture & Design
Microservices, Event-Driven Architecture, API Design, High-Availability Systems, System Design.
PROFESSIONAL EXPERIENCE
Islamabad, Pakistan
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Self-Employed
Summary
Built an AI-powered financial analytics platform from the ground up as a solo founder. Numeriv parses PDF/CSV bank statements, uses AI to categorise transactions and resolve cryptic merchant names, and provides a RAG-powered financial advisor grounded in real user data. Full-stack architecture spanning FastAPI (async Python), React 18, PostgreSQL with pgvector, and multi-LLM integration (OpenAI, Anthropic, LangChain). Multi-tenant, fully async, with AES-256 encryption and background job orchestration.
Highlights
Architected a multi-tenant, cloud-native fintech platform from scratch — defining all system boundaries, data models, async processing pipelines, and LLM integration patterns.
Designed a RAG-based AI advisory layer using pgvector and LangChain, grounded entirely in user-specific transaction data to eliminate hallucinations.
Designed 10+ decoupled microservices with event-driven communication, async task orchestration, and AES-256 data encryption — built for horizontal scale.
Architected multi-currency, multi-bank data ingestion with a normalisation pipeline supporting heterogeneous statement formats across global banks.
Dubai, UAE
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Summary
Led engineering and project delivery for a regulated payments platform. Owned the full technical lifecycle from architecture and roadmap to sprint execution and cross-functional coordination across acquiring, issuing, digital wallets, core banking, and rules engine domains. Drove architectural strategy and technical delivery across a ~30-person team while leading PCI DSS Level-1 compliance and a microservices migration.
Highlights
Architected end-to-end acquiring and issuing systems involving customer onboarding, core banking, card ISO0-8583 processing, settlement & clearing logic.
Built digital wallet infrastructure: balance management, P2P transfers, top-up flows, and ledger reconciliation integrated with core banking.
Engineered a configurable rules engine for transaction routing, fraud detection, fee computation, and compliance checks with no-code deployment for business teams.
Conducted architectural reviews across acquiring, issuing, and wallet domains — establishing design standards, evaluating technology trade-offs, and mentoring engineers on architecture best practices.
Provided architectural guidance and technical mentorship to junior engineers and cross-functional team members, establishing design patterns adopted platform-wide.
Led risk assessment and mitigation planning across platform migrations, PCI DSS L1 compliance programs, and third-party integration initiatives.
SELECTED PROJECTS & IMPACT
Numeriv - AI-Powered Financial Intelligence
Startup
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Summary
Upload your statements. Get instant clarity on spending, smart budgets, and an AI advisor that actually knows your finances — in under 10 minutes.
VaultsPay FinTech (SaaS) — Software Architect
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Summary
Designed and delivered a Payment Card Services (PCS) SaaS platform. Led system architecture, Spring Boot microservices design, integrations, and documentation.
VaultsPay Acquiring Platform — Software Engineer / Architect
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Summary
Built merchant payment services initially on Laravel, later migrated to Spring Boot microservices. Positioned VaultsPay as a Tier‑1 PCI‑DSS compliant provider in the MENA region.
Burency — Cryptocurrency Exchange
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Summary
Developed Node.js microservices for real‑time crypto trading. Optimised market data streaming using Redis caching, reducing latency by 60%.
Chrome Advisory — Venture Capital Platform
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Summary
Built the banking engine for investment subscriptions and periodic financial calculations.
Aikito — Financial Statement OCR
Freelance
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Summary
Designed OCR pipelines using AWS Textract to standardise financial statements. Enabled BI‑driven lending decisions through structured data extraction.
CERTIFICATIONS
EDUCATION
Bahria University Islamabad, PK
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MS
Project Management
Grade: 3.9
University Institute of Information and Technology
Islamabad, Pakistan
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BS
Computer Science
Grade: 3.49
AWARDS
1st Position -- Case Study Fest 2025 at Bahria
Bahria University