sazid ahmad

• Developed and deployed multiple fintech platforms integrating BBPS, AEPS, and DMT APIs for secure, real-time
transactions across India.
• Designed wallet-based payout & E-Collect systems with instant settlement and full transaction audit trails.
• Integrated banking APIs — Paysprint, Razorpay, City Union Bank, and Stripe — enabling seamless multi-channel digital
payments.
• Built a credit scoring module using ML to automate loan eligibility assessments, reducing manual review time significantly.
• Ensured full compliance with RBI regulations (KYC, AML, PCI-DSS) using JWT, OAuth 2.0, and AES-256 encryption.
• Architected high-throughput Node.js & MongoDB backend handling large-volume transaction workloads with minimal
latency.
• Created real-time transaction monitoring dashboards with user analytics and automated financial reporting.

• Led end-to-end development of scalable React.js & Node.js applications, ensuring best practices and on-time delivery.
• Acted as technical lead — gathered client requirements, provided consultations, and delivered tailored solutions.
• Mentored junior developers and organized intern training sessions, improving team code quality and delivery speed.
• Collaborated with cross-functional teams to align architecture with business goals and client expectations.

• Developed full-stack web applications for data processing and visualization in a fast-paced cloud environment.
• Designed and implemented RESTful APIs focused on performance, scalability, and security.
• Participated in technical design reviews, researched new backend solutions, and implemented performance
enhancements.
• Engaged directly with clients to define requirements and ensure deliverables met functional specifications.

• Completed intensive 6-month MERN stack training; built real-world projects under senior developer supervision.