Apr 2024 – Present · 1 yr 11 mos · Karāchi · On-site

• CASH OVER COUNTER - HOME REMITTANCE
• Currently owning the enhancement of the Home Remittance system, enabling flexible payout options for remittances received via global partners (e.g. Ria Money, EZRemit, MoneyGram) through bank branches.
• Extending the traditional cash-only model to allow beneficiaries to receive remittances fully in their bank account, entirely in cash, or through a customizable split (partial cash + partial account credit).
• POOL MANAGEMENT - ISLAMIC BANKING
• Currently leading the revamp of the Pool Management application, a core system in Islamic banking responsible for monthly profit calculation and distribution.
• Manages automated, precise month-end profit percentage calculations across multiple pools, ensuring Shariah-compliant profit distribution to both individual and entity account holders in full alignment with religious and regulatory requirements.
• COMMON REPORTING STANDARD (CRS) - ACCOUNT OPENING
• Revamped the CRS (Common Reporting Standard) application used across 1,200+ branches in Pakistan, ensuring compliance with global tax residency reporting requirements.
• Rolled out enhanced CRS functionality to Bahrain, Malaysia, and Export Processing Zones (EPZ) to align with international tax reporting mandates.
• FOREIGN ACCOUNT TAX COMPLIANCE ACT (FATCA) - ACCOUNT OPENING
• Leading the revamp of the FATCA (Foreign Account Tax Compliance Act) application, an integral part of the account opening journey for identifying and reporting U.S. persons in compliance with international tax obligations.
• The enhance FATCA functionality will be a part of Pakistan, Bahrain, Malaysia, and Export Processing Zones (EPZ) branches, ensuring alignment with evolving FATCA regulatory requirements.
• Migrated the legacy systems (CRS, FATCA & POOL MANAGEMENT) from .NET Framework 3.5 to a modern stack (Vue.js with XState and Java Quarkus), significantly enhancing performance, scalability, responsiveness, and operational efficiency.

Feb 2023 – Apr 2024 · 1 yr 2 mos · Karāchi · On-site

• CREDIT DIGITALIZATION REPORTING (CDR) – CREDIT ADMINISTRATION
• Worked as Product Owner for the Credit Digitalization Reporting (CDR) system, an internal enterprise application used by the Credit Administration Department across 1700+ branches in Pakistan.
• Enabled centralized document management and automated reporting for credit customers, improving operational efficiency and data accessibility for credit administration department.
• ROSHAN DIGITAL ACCOUNT – ACCOUNT OPENING
• Provided production support and enhancements for the Roshan Digital Account -RDA (https://roshandigital.hbl.com/) platform, enabling overseas Pakistanis to remotely open bank accounts and invest in Pakistan without visiting a branch.
• Implemented Change Requests (CRs) and feature improvements in coordination with PMO and business teams to ensure a seamless digital onboarding experience.
• DIGITAL ONBOARDING – ACCOUNT OPENING
• Supported and enhanced the Digital Onboarding (https://digitalonboarding.hbl.com/) system, which facilitates the end-to-end digital account opening journey for customers.
• Worked closely with Business Analysts, PMO, and product stakeholders to resolve issues, implement system improvements, and ensure uninterrupted account opening processes.
• IBAN GENERATOR - HBL IREMIT PLATFORM
• Developed & Integrated an IBAN Generation Service (https://www.hbliremit.com/IBAN/IBAN.aspx) that converts customer account numbers into IBAN and retrieves the account title, enabling customers to easily obtain standardized banking details for international transactions.
• ENTERPRISE MESSAGING ENGINE (EME) – CUSTOMER COMMUNICATION PLATFORM
• Developed the Enterprise Messaging Engine (EME) to deliver transactional alerts, promotional notifications, and informational messages via SMS and email.
• Enhanced customer engagement and ensured timely communication across multiple banking services and digital channels.

Jul 2022 – Jan 2023 · 6 mos · Karāchi · On-site

• XOOPAH – CUSTOMER EXPERIENCE PLATFORM
• Contributed to the development of Xoopah (https://app.xoopah.com/), a SaaS platform that helps businesses manage customer engagement, collect reviews, and run marketing campaigns through automated communication channels.
• CONTACTS IMPORTING ENGINE
• Revamped the contacts importing mechanism by building a centralized system that enables users to import contacts from multiple sources including QuickBooks API, Google Contacts API, and Excel files, while improving data synchronization and simplifying customer management.
• QUICKBOOKS INTEGRATION – FINANCIAL DATA CONNECTIVITY
• Integrated QuickBooks API with the Xoopah platform, enabling users to import customer contacts and generate invoices directly within the system.
• Designed and implemented the PostgreSQL database schema required to store and manage QuickBooks financial and customer data.
• TEMPLATE MANAGEMENT MODULE – MARKETING AUTOMATION
• Developed a Template Management Module that allows users to create and manage SMS and Email templates for customer communication.
• Enabled businesses to request customer reviews and execute marketing campaigns through automated messaging workflows.
• REDIS IMPLEMENTATION – PERFORMANCE OPTIMIZATION
• Implemented Redis caching for lookup-based API calls, significantly improving application performance and reducing database load for frequently accessed data.
• USER ACTIVITY ANALYTICS – PRODUCT INSIGHTS TRACKING
• Built backend user activity tracking using Heap Analytics with .NET 6 gRPC, enabling event-based monitoring of user actions for product analytics.
• Implemented frontend activity tracking using Firebase Analytics (Angular 12+) to capture user behavior and identify the most frequently used features in the product.
• PRODUCT MAINTENANCE & QUALITY ASSURANCE
• Resolved production and staging issues while coordinating with the SQA team to ensure stable, bug-free releases across SQA, staging, and production environments.

Dec 2021 – Jun 2022 · 6 mos · Karāchi · On-site

• ORDER MANAGEMENT SYSTEM (OMS) – PRODUCT MODERNIZATION
• Converted the Order Management System’s API from REST (.NET 5 + AngularJS) to gRPC (.NET 6 + Angular 12), improving performance, scalability, and maintainability of the platform used in the U.S. appraisal industry.
• SQL STORED PROCEDURES OPTIMIZATION – PERFORMANCE ENHANCEMENT
• Optimized SQL Server 2022 stored procedures to reduce execution times, enhancing responsiveness and efficiency for critical appraisal product workflows.
• CHATBOT DEVELOPMENT – AZURE LUIS & MICROSOFT TEAMS INTEGRATION
• Developed an intelligent ChatBot using Azure LUIS and Bot Services, integrated with Microsoft Teams, enabling users to fetch order-related information by interacting naturally via chat commands (e.g., mentioning '@Bot').
• SELF-HOSTED SENTRY – ERROR MONITORING & ALERTING
• Built a Self-hosted Sentry system to capture production errors and notify developers and managers via email or a cloud-hosted Sentry portal (Docker-based), ensuring faster issue detection and resolution for multiple company products.

Jan 2021 – Dec 2021 · 11 mos · Karāchi, Sindh, Pakistan

• TASKS:
• Analyzed business requirements from Request for Proposal (RFP) documents and created comprehensive solution proposals, driving informed decision-making and strategic project alignment.
• Developed project proposal documents by consolidating inputs from cross-functional teams, ensuring clear project vision, alignment, and execution readiness.
• Translated business requirements into comprehensive technical documentation (UML diagrams, technology stack, logical architecture, compliance matrix, WBC), enabling informed decision-making and seamless alignment between business and technical teams.
• Develop an internal organization project that is used to translate the RFP documents from Arabic language to English. The implementation is done by using ASP.NET Core and Selenium web driver.
• Build an internal organization project to automate the recruitment process in the company by using Microsoft Power Automate and Microsoft Sharepoint.
• RESPONSIBILITIES:
• Gather Requirements from the clients on call and document them for further plan of action.
• Made weekly reports of the work and presented them to the management.
• Attend daily meetings for discussion on the requirements gathered from clients and present them to teams.
• Participate in recruiting the best technical talent for the company.
• Maintain project report which explains what has been done and communicate it with the client.