Open to opportunities

Talha Ghias

@talhaghias

Full-Stack Engineer integrating MERN, Next.js, and AI/LLM to build secure, high-performance fintech and health platforms.

Pakistan

Message

What I'm looking for

I’m looking for full-time remote work building secure, high-performance products—using MERN/Next.js/Nest.js and AI/LLM integrations—where I can architect scalable systems, improve reliability, and ship measurable performance and compliance outcomes.

I’m a Full-Stack Engineer with 9+ years delivering high-performance, secure applications across fintech, health tech, and edtech. I architect production systems end-to-end, from frontend experiences to backend services and cloud operations.

As a Principal Software Engineer, I’ve architected and secured core banking platforms for 22+ European banks, implementing OWASP-compliant APIs and improving regulatory audit readiness. I’ve led development of bank admin and advisory portals that cut manual processing by ~40% and enabled faster multi-bank onboarding, while scaling distributed teams across time zones with repeatable agile delivery.

I also bring strong healthcare and compliance focus from building HIPAA-aligned systems, including COVID-19 digital tools that onboarded 56 government agencies in under 2 months and maintained continuous delivery with zero sprint failures over 18 months. I’m comfortable modernizing legacy platforms into scalable microservices, and I mentor engineers through structured code reviews and technical guidance.

Beyond core engineering, I automate business workflows using OpenAI/LLM integrations—cutting up to 40% of workflow effort—and I’m intentional about security, reliability, and measurable performance wins (including up to 50% load time reduction). I’m available for full-time remote engagement where I can build secure products and ship with engineering excellence.

Experience

Work history, roles, and key accomplishments

Current

Principal Software Engineer

Current

10Pearls

Jul 2020 - Present (5 years 10 months)

Architected and secured core banking platforms for 22+ European banks by implementing OWASP-compliant APIs and unit test coverage, improving regulatory audit readiness. Led development of bank advisor/admin portals that reduced manual processing by ~40% and scaled a distributed team of 24 engineers across time zones.

Next.js TypeScript Docker MongoDB OWASP

Independent Fintech Consultant

GiggleFinance

Jan 2021 - Jan 2022 (1 year)

Architected a fintech lending platform that reduced loan approval from days to minutes using automated underwriting, bank API integrations, and real-time credit scoring. Increased applications processed by 40% by streamlining the lending workflow and decisioning pipeline.

MERN AWS Automated Underwriting REST APIs Distributed Systems Workflow Automation

Independent FoodTech Developer

Dvour

Jan 2020 - Jan 2022 (2 years)

Built a multi-vendor food ordering and delivery platform with real-time tracking and integrated payments. Processed 10,000+ orders in the first quarter post-launch.

MERN AWS Real Time Tracking Payments Integration Order Processing Backend Development Frontend Development

Independent Payments Engineer

EvvaFinanzas

Jan 2020 - Jan 2021 (1 year)

Built a PayPal-style payments platform with secure banking integrations and multi-language support for LATAM markets. Enabled thousands of secure transactions monthly using robust payment and integration workflows.

Next.js MySQL Secure Banking Integrations Payments Platform Backend Development Frontend Development

Staff Software Engineer

Emerald Labs

Jun 2018 - Jul 2020 (2 years 1 month)

Modernized a legacy Zend platform into MERN microservices to improve scalability and feature delivery speed. Built COVID-19 digital tools that onboarded 56 government agencies in under 2 months and maintained zero sprintfailures across 18 months of fully remote delivery while implementing HIPAA compliance for secure PHI handling.

Angular TypeScript PostgreSQL AWS HIPAA compliance Secure Web Forms

Technical Lead

Strategic Systems International

May 2017 - Jun 2018 (1 year 1 month)

Built predictive analytics modules for the SMA platform enabling stock/crypto trend forecasting with up to 85% accuracy via multi-sourced data integration. Delivered MyPeopleHealth features (appointment booking, surgery scheduling, family medical histories) that drove a 25% increase in inpatient engagement for oncology care and improved user retention by 20% through performance and UX optimization

PHP Laravel JavaScript Backbone.Js CoffeeScript Ruby on Rails MySQL Predictive Analytics Performance Optimization

Senior Software Engineer

Webify

Apr 2016 - May 2017 (1 year 1 month)

Built loan and deals management modules for dealer platforms, improving financial accuracy and contributing to a 15% rise in approved deals. Streamlined financing workflows to reduce deal closure time by up to 20% and delivered a modular codebase that cut future feature delivery time by 30%.

PHP Laravel MySQL JavaScript Workflow Automation Performance Optimization Backend Development System Design