Open to roles worldwide · freelance projects welcome

I build web apps
that actually ship.

Software engineer with 5+ years building secure, high-volume systems for banks and fintechs — and everything from AI tools and web apps to mobile apps, websites and automations. Big or small, if it runs on code, I can build it.

Hiring? Get my resume PDF Have a project? Let's talk →
// Currently

Principal Software Engineer @ Vaulsys · Wallet & payment platforms in Java · building with LLMs, RAG & AI agents

// Built systems for & with
HBLBank AL HabibRawbankNayaPayMoneyGramCitibankThunesMastercard & Visa tokenization
45+Projects delivered
8+Years building software
5+Industries served
<24hReply time — usually same day
Java Spring Boot Python React Node.js Android Kotlin Firebase WordPress WooCommerce REST APIs Microservices Quarkus TensorFlow Claude & OpenAI APIs LLM agents Docker AWS Google Cloud MySQL Oracle OAuth2 / JWT CI/CD
// What I can build for you

Pick your class of problem

All services →
POPULAR

AI tools & integrations

Chatbots, document assistants, AI-powered features and agents wired into your product or workflow.

Automation & internal tools

Kill the spreadsheet chaos. Dashboards, scripts and tools that save your team hours every week.

Web apps & MVPs

From idea to a working product — admin panels, portals, SaaS MVPs and business systems.

Mobile apps

Android apps with real-time features — chat, notifications, logins and data that syncs.

Websites, WordPress & eCommerce

Business sites, blogs and online stores — designed, built and easy for you to update.

Backend & APIs

Scalable, secure APIs and microservices. Third-party and payment integrations done right.

Business systems

Custom ERP, inventory, booking and management systems built around how you actually work.

Tech consulting

Stuck, scaling, or unsure what to build? Architecture reviews, rescue missions and technical advice.
// Party member perks

Why work with me

Big-company engineering standards, freelancer speed and flexibility.

Banking-grade quality

I build payment and banking systems for a living. Security, reliability and clean code are the default, not an upsell.

AI-powered speed

I use modern AI tooling to ship faster — so you get more done for the same budget, without cutting corners.

Clear communication

Same-day replies, regular demos and plain-English updates. You always know where your project stands.

Hire your way

Work with me directly, or through Upwork, Fiverr or any freelance platform you trust — with their escrow protection.

End-to-end delivery

From idea and architecture to deployment and handover. One person who owns the whole thing.

Support after launch

Bug fixes, improvements and scaling help after go-live — I don't disappear once the invoice is paid.

// Featured work

Recent missions

All projects →
AI · RAG chatbot Personal

RAG Support Chatbot

An AI assistant that answers from your own documents with citations — no hallucinations. Python + Claude, with a swappable retrieval layer.

Cited, grounded answers from your own docs
PythonClaude APIRAGTF-IDF / embeddings
Automation · Banking Professional

Automated IFRS9 Engine

Automated a bank's IFRS9 financial processing, replacing manual spreadsheet work with a scalable pipeline.

70% less manual processing
JavaQuarkusSpringFlask
Web · Freelance Freelance

Real Estate ERP

Listings, clients, deals and payments in one system, replacing scattered spreadsheets.

Whole business run from one dashboard
Full-stackMySQLReporting
// Reviews from the party

What clients say

★★★★★
“Muhammad and I have worked on several projects over the last five years, and he has consistently been easy to work with and highly professional. He responds promptly, communicates clearly…”
Outlier LogisticsRepeat client · 5 yearsUpwork · ★★★★★ 5.0 · Dec 2025
Upwork client feedback ✓ Committed to Quality✓ Clear Communicator✓ Collaborative
100%Job Success on Upwork
5.0★Rating on Upwork & Fiverr
5 yrsLongest client relationship
Worked with me?I'd love your review — leave one →
// How a quest works

Simple process, no surprises

Whether it's a one-week tool or a multi-month build, every project follows the same clear path.

Briefing

A quick call to understand the problem, your users and what success looks like.

Battle plan

A clear scope, timeline and cost — so you know exactly what you're getting.

Build

Regular demos and updates. You see progress, not just a final reveal.

Launch & support

Deployment, handover and support so it keeps running after launch.

// Player 2 has entered

Got an idea? Let's build it.

Tell me what you need — a tool, an app, an AI feature or just a second opinion. Hire me directly or through Upwork, Fiverr or any platform you trust.

Start a project → Recruiter? Get my resume PDF