Asad M

Full Stack Engineer

SYNKRONIZA Consulting Inc • Full time

Jan 2026 - Present • 9 mos

Owned end-to-end development and maintenance of 3 core financing platforms, ensuring stable delivery across development, staging, and production for critical loan origination and customer servicing workflows. Enhanced Raya Financing’s corporate website, contributing to a 20% increase in digital finance applications and improving the overall customer journey and brand presence in the Saudi market. Built and maintained the vendor portal, reducing partner onboarding time by 50% and streamlining operations between Raya and local dealerships. Customized Siebel CRM UI with a Raya-branded experience, improving loan officer productivity by 30% through better usability and faster access to customer credit profiles. Applied frontend and backend security controls, including RBAC, session management, input sanitization, and protection against XSS, CSRF, and SQL injection, while following SAMA compliance requirements. Strengthened CI/CD pipelines and led peer code reviews, reducing the release cycle by 25% and improving deployment safety and consistency. Developed scalable solutions using Core PHP and Flask to support growing business demand and maintain stable performance under load. Took full ownership of production issues, performed root cause analysis, and delivered long-term fixes that reduced recurring defects and improved system stability.

Full Stack Developer

Arabianpay • Full time

Aug 2024 - Jan 2026 • 1 yr 5 mos

Spearheaded the architecture and development of ArabianPay’s fintech platform, delivering a full production system within 4 months and supporting 12.4K+ active users with 99.89% uptime. Integrated national services, including Nafath, Wathiq, Simah, and ClickPay, to enable secure identity verification, commercial registration validation, credit bureau checks, and online payment processing — including recurring billing, invoicing, and end-to-end transaction flows across the fintech ecosystem, reducing default risk by 75%. Designed and implemented a full Credit Assessment engine and Risk Analytics system, including scoring algorithms, exposure analysis, repayment tracking, behavioral risk factors, and portfolio evaluation. Ensured full SAMA (Saudi Central Bank) compliance across KYC flows, data encryption, audit trails, and secure API communications. Developed a custom loan lifecycle with automated onboarding, dynamic credit scoring, and multi-stage approval flows, supporting 1,200+ users and processing 200 loan applications with seamless status tracking and workflow efficiency. Built and managed the OCI (Oracle Cloud Infrastructure) environment; handled media storage using AWS S3; deployed infrastructure with NGINX, GitHub Actions, and SSL-secured VPS, supporting secure processing of financial transactions exceeding 1M+ SAR monthly. Led a cross-functional team of 4 developers and collaborated closely with compliance officers, QA engineers, and product owners to ensure end-to-end delivery of secure, scalable fintech solutions fully aligned with SAMA regulatory standards.