Driving the technical vision and execution for Morocco’s first BNPL (Buy Now, Pay Later) platform, with a focus on building scalable and secure solutions. Key responsibilities include:• Defined the overall architecture and technical standards, ensuring high availability, performance, and security.• Leading a team of developers, data scientists, and UX/UI designers to deliver key capabilities, including client and merchant applications, as well as back-office solutions.• Handling the integration with CMI, including tokenization, automatic debit features and payment gateway integrations.• Overseeing the implementation of the credit scoring engine and fraud detection tools

Worked with leading organizations in the MEA region to drive digital transformation, focusing on Tech and Engineering Excellence. Key contributions include:• Participated in the design and implementation of a FinTech startup, with a focus on scalable and secure architecture.• Helped architect a Digital Attacker for a leading Telco, driving innovation and competitive advantage through technology.• Collaborated with a major insurer to digitalize key processes, improving efficiency and customer experience.• Guided engineering teams in enhancing their development practices, with a strong emphasis on Agile and DevOps methodologies.

Worked with global teams to build tailored solutions for fixed income and credit risk analysis. Key responsibilities included:• Developed post-trade solutions for fixed income and credit risk management, collaborating with traders and risk teams.• Drove the development and testing of new modules aimed at improving financial data insights for risk management.

Led a project focused on delivering fixed income and credit risk solutions. Collaborated with traders and risk management teams across Paris, New York, Hong Kong, and London to improve financial risk analysis. Key highlights:• Spearheaded development of tools to expose new types of financial risk, with a focus on credit risk and fixed income instruments.• Implemented agile methodologies, leading sprint planning and backlog refinement to ensure smooth project delivery.• Coached developers in software craftsmanship practices to enhance code quality and system performance.

Contributed to the design and development of contactless payment solutions. Key responsibilities included:• Benchmarked existing contactless payment systems to identify the best practices and improve solution performance.• Developed a mobile payment module using Java, enabling communication between smartphones and NFC devices (Credit Card and POS).• Documented the entire development process and the protocols used for future scalability and integration.

Worked on multiple small projects, mainly using PHP, Laravel, jQuery, HTML, and CSS