Jan 2020 – Jan 2024 · 4 yrs

• Conducted in-depth impact analyses of client-requested enhancements, identifying potential effects on existing integrations and customer workflows, which reduced post-release issues and rework by 30%.
• Translated business goals into Solution Requirement Documents (SRDs) and Functional Specifications (FSDs), defining new features across
• Prepaid, Debit, Multi-Wallet Travel, Digital Wallet, and Virtual Card products.
• Collaborated with development teams to provide functional consultation, ensuring smooth implementation of client and product requirements within agreed timelines.
• Partnered with operations and product teams to prepare User Guides, Training Materials, and Release Notes, improving release readiness and user adoption across global teams.
• Ensured PCI DSS compliance across payment modules and card management processes, strengthening system security and regulatory adherence.
• Contributed to the design and enhancement of card issuing and lifecycle management processes, including: Card Reissue, Fund Loading PIN Management, Customer Onboarding and Supplementary Card Handling, Card Restrictions, Fraud Rules, and Reporting Program Management, Credit Promotions, Card Provisioning, and 3D Secure Authentication resulting in a more robust and compliant card management ecosystem.
• Worked with fintech clients Batelco, Beyon Money, Ooredoo, MAFF and many others.
• Integration of Payment gateways and card provision platforms Plaid, Benefit Pay, Interac, Fetch, Google Pay, Apple Pay, Samsung Pay
• ACH processing lifecycle

Jan 2018 – Dec 2019 · 1 yr 11 mos

• Delivered key modules for the ICM (Incident Case Management) system, including the cardholder communication component and performance optimization across modules.
• Led development of a real-time branding tool (CMS 3.0) enabling clients to dynamically manage multiple portal versions, with backend support for versioning, scheduling, and status-based revisions, enhancing client self-service and deployment agility.
• Developed core web application components for the Buy Now Pay Later (BNPL) platform, enabling promotion opt-ins, instalment management, and configurable repayment plans, directly supporting new revenue streams.
• Integrated multiple third-party APIs (USPS, Payment Gateways, etc.) to extend system functionality and streamline external service interactions.
• Collaborated in performance optimization and feature enhancements across existing modules to improve overall system responsiveness and reliability.
• Key Skills: Java 8/11, Apache Struts 1/2, Informix, Ehcache, jQuery, Eclipse, SVN, DbVisualizer, PMD, FindBugs

Jun 2015 – Dec 2018 · 3 yrs 6 mos

• Contributed to the design, development, and enhancement of multiple enterprise web portals within the i2c Applications Suite, including CAdmin, CAgent, CPartner, CHolder, and WebPOS.
• Led the migration from CHolder 2.0 to CHolder 3.0, rebuilding the platform from scratch on a modern tech stack and executing a zero-downtime rollout using blue-green deployment and progressive traffic shifting, ensuring seamless client and user migration.
• Developed key modules in CHolder 3.0, including Expense Analyzer, Multi-Purse Management, and Card Activity, improving customer experience and performance.
• Integrated Fetch 2-way payment gateway into CPartner, enabling secure, real-time transaction validation and streamlined bulk card order payments.
• Key Skills: Java 8/11, Apache Struts 1/2, Informix, Ehcache, jQuery, Eclipse, SVN, DbVisualizer, PMD, FindBugs

Apr 2013 – May 2015 · 2 yrs 1 mo

• Contributed to the development of a USSD-based branchless banking platform providing financial services to the underbanked population across Pakistan, facilitating secure mobile transactions without internet connectivity.
• Worked on both backend transaction processing (via Apache MINA for USSD message handling) and web-based Admin Portal built with Spring MVC, Hibernate, and Oracle DB for configuration, program management, and reporting.
• Optimized transaction workflows and resolved high-severity production issues, improving system uptime, transaction accuracy, and response latency, ensuring a seamless experience during peak loads.
• Supported deployments for JS Bank, Askari Bank's Timepey, and the Bank of Punjab flood relief disbursement program.
• Key Skills: Java 6, Spring MVC, Apache Mina, Oracle DB, Javascript, Eclipse, SVN, DbVisualizer

Jun 2011 – Mar 2013 · 1 yr 9 mos

• Contributed to the Loyalty Admin web application, focusing on feature enhancement, bug fixing, and performance optimization.
• Developed the Offers Batch Upload module and enhanced existing components such as User Management, Roles, and the Campaign Message Editor, while refactoring legacy code and improving backend query handling.
• Worked on the Loyalty Consumer Portal, improving stability and responsiveness through code optimization and EQPI resolution.
• Provided technical training and mentorship to another internal i2c team on integrating newly built reusable components from our updated application framework into their vLog Admin Portal project.
• Key Skills: Java 4, Struts 2, jQuery, MySQL, Eclipse, SVN, DbVisualizer