At Moby Money Sdn Bhd, I owned the AI systems layer for a live consumer credit product, from versioned prompt architecture and schema validation to grounding checks and human-reviewed regression testing.
I also built AI-driven credit decisioning engines for onboarding and limit-increase applications, removing manual underwriting from both paths. I re-architected repayment, late-fee and statement jobs to scale horizontally and remain idempotent under retries.
At HelloPay Ltd., I architected the MVP that earned a Payment Service Operator licence from the Central Bank of Bangladesh and passed its regulator audit at first review. The platform included a double-entry ledger, KYC and transaction services, secure authentication, RBAC and immutable audit trails.
As Consultant & Technical Lead on Vezmo, I designed a multi-tenant finance SaaS platform comprising six independently deployable Node.js/PostgreSQL microservices. The platform onboarded 800+ brands at 99.9% release reliability; at Accept Global Ltd., I also led the development of wholesalecart.com, which won the 2022 South Asian Business Excellence Award for Best B2B E-Commerce Website.
