• Led the transformation of the product from cloud-based only to a hybrid cloud solution to meet regulatory requirements for on-premise deployment. • Achieved PCI DSS certification for the product, ensuring compliance with Central Bank of Egypt (CBE) regulations. • Established and scaled a multidisciplinary technical team, including DevOps, Frontend, Mobile (Flutter), Backend, and Quality Assurance roles. • Improved product usability through reengineering, resolving key technical challenges, and driving an increase in positive customer reviews. • Integrated fintech capabilities into the product, including Buy Now, Pay Later (BNPL) features, and implemented instant credit approval and scoring systems.

• Advised startups on designing and implementing technology stacks tailored to their business objectives and growth strategies. • Provided consulting to enterprises in the Gulf region, developing scalable technical solutions to address complex challenges. • Assisted startups in modernizing their technology infrastructure to support business expansion in e-commerce, including ERP implementation for stock management, order fulfillment, billing, and integration with payment gateways.

• Led projects from inception to implementation, ensured milestones were met, and built high quality teams. • Created proof of concept prototypes for leadership team. Collaborated effectively with teams to define and design new features. • Fostered teamwork spirit through motivating staff, encouraging others, and recognizing staff’s performance.• Led Application Architecture assessment and defined target architecture.• Launched initiative for TOGAF project to build E-Finance Enterprise Architecture. • Built middle ware team on TIBCO platform.• Teamed and worked closely with process engineering on defining and implementing ITIL processes and best practices.

• Led technical projects from initiation through completion including planning, design, development, and implementation.• Created new development team for payment products and successfully drove and completed numerous projects on time and within budget under time and resource pressure.• Achieved CMMI level 2 as Scrum Master and Development Manager.• Built Continuous Integration (CI) through product development life cycle using Jenkins for Build Automation, Git Source Control, and Gradle as build tool.• Built offline billing payment platform for billers with no databases or online integration via web and files exchange.• Built Single Card Payment solution for smart cities used in payments purchases and gate access using multi-interface cards EMV and NFC.

• Pioneer Mobile wallet implementation through multiple platforms Visa mVisa and Master Card MPG Technical Lead for CUP Interface with EBC to migrate to EMV capability enablement.• Managed development, scheduling interacting with customer for BNP Bank to ENBD Debit card and prepaid migration, integration with IVR, ATMs, and TIBCO systems to backend in-house developed CMS on WebLogic.• Solution and Development for implementing EMV authorization in backend in-house developed CMS. • Boosted efficiency and reduced costs through streamlining processes and procedures. Upgraded interfaces and improved performance and security of existing software.• Reengineered in-house developed EFT switch moving to J2EE technology for scalability and reusability, applying SOA based architectures.• Managed Development Team for joining JCB (Japan Credit Bureau) with 123 Egypt local shared cash network.• Managed technical team for joining CUP (China Union Pay) with 123 Egypt local shared cash network.• Improved performance by training and mentoring staff. Collaborated effectively with stakeholders, management, and staff, maintaining excellent communication.• Developed innovative solutions and analyzed trends and emerging technologies.• Shared in developing the software development processes moving to CMMI standards.

• Increased performance through designing enhancements to Debit Card Management Authorization System for minimal transaction duration according to volume increase.• Developed and directed software systems testing, programming, validation procedures, and documentation.• Designed, delivered, and implemented Host system for prepaid and debit cards which was accepted in 123 domestic network and Master Card, applying each regulation and authorizing online/offline and offline modes.

• Developed PIN key exchange in EFT switch based on Java exchanging dynamic keys between two zones according to related ISO message format.• Identified areas of risk, enhanced security, and provided quality assurance in reviewing security compliance of system design and implementation.• Developed prepaid product, Vodafone Cash, with coordination of mobile provider Vodafone accepting transactions from IVR system as well POS machines and ATMs including fees engine and allowance manager.• Developed pre-screening engine for credit risk management module blocking transactions and opening time windows allowing certain MCCs, per customer upon requests.• Developed Credit Card Management System including online authorization and card management applying Master Card regulations.