Hi, I am Saif Muhammad

I am a seasoned Software Engineer, Technical Lead, and Solution Architect with over 16 years of experience building secure, scalable, and compliant digital solutions. I specialize in fintech, with deep expertise in Open Banking integrations such as Account Information Services (AIS) and Payment Initiation Services (PIS), as well as architecting multi-tenant platforms in domains like oil & gas.

Throughout my career, I have successfully led cross-functional teams, delivered mission-critical systems, and aligned technical strategies with business goals. My core skills include cloud-native development, Laravel, microservices architecture, API security, and compliance-driven software design.

I am passionate about clean architecture, agile collaboration, and solving real-world problems through technology. Known for my attention to detail and dedication to lifelong learning, I continuously refine my craft while mentoring others and fostering innovation.

Currently, I am focused on advancing open finance solutions and scaling technology that enables secure, user-centered financial ecosystems.

Let’s connect and build something impactful.