verified customers
Payam
Horoufchin
Scroll to exploreI build technology, products, and teams together—from first release to millions of users, and from a five-person founding team to a complete cross-functional organization.
Selected scale
Built from zero. Proven in production.
A digital banking platform launched in four months and scaled under real regulatory, security, and availability constraints.
monthly active users
daily active users
from zero to first public release
cross-functional team growth
platform availability
What I bring
Core expertise
Executive ownership grounded in two decades of hands-on software, product, architecture, and delivery experience.
Executive & technology leadership
Leading technology, product, and marketing within one accountable organization—scaling a founding team of 5 into a cross-functional team of nearly 40 people.
Digital banking & financial platforms
Building regulated digital banking products from zero to public launch and millions of verified users, with reliability, security, and growth designed in.
Product strategy & delivery
Turning banking complexity into differentiated products, including intelligent onboarding, digital rial, virtual gifting, cashback, closed-loop cards, and loyalty.
Technology & systems architecture
Evolving service-based, containerized platforms into microservice architectures that support more than 99% availability and demanding peak concurrency.
Security, risk & compliance
Leading ISO/IEC 27001 certification, AFTA and Kashef approvals, and intelligent KYC used to verify more than 3 million customers.
Technology advisory
Helping leaders connect product ambition, organizational design, architecture, and delivery—particularly in fintech and regulated environments.
ABank platform
Scale,
without shortcuts.
- 01
More than 3 million intelligent KYC verifications with a success rate above 95%.
- 02
More than 99% platform availability under demanding production load.
- 03
Peak capacity of up to 50,000 concurrent users and 5,000 simultaneous transactions.
- 04
ISO/IEC 27001 certification plus AFTA and Kashef security approvals.
- 05
A differentiated widget-based experience instead of a conventional icon-grid home screen.
Career journey · 2003—2026
From code
to company.
More than two decades across software, product, and executive leadership—from hands-on engineering to fintech business-unit ownership.
22+years building
8career chapters
Latest chapter
CEO, ABank SBU
Promoted from CTO to lead the ABank strategic business unit, expanding responsibility from technology into product and marketing.
Selected outcomes03
- Led a 35–40-person cross-functional organization with four direct leadership reports.
- Aligned technology, product, and marketing around one operating direction and a pod-based delivery model.
- Represented the business unit across steering, product, risk, and security committees.
CTO
Led technology for ABank, the neobank of Ayandeh Bank, under strict regulatory, security, and scalability requirements.
Selected outcomes10
- Built ABank from zero and released the first public version in four months across iOS, Android, and PWA.
- Scaled the platform to more than 3 million verified customers, 700,000 monthly active users, and 400,000 daily active users.
- Grew the founding team from 5 to nearly 40 across product, engineering, DevOps, QA, security, data, architecture, and marketing.
- Developed five new leaders and established a pod-based agile operating model.
- Designed intelligent KYC and liveness capabilities with a success rate above 95% across more than 3 million verifications.
- Maintained more than 99% availability at peaks of up to 50,000 concurrent users and 5,000 simultaneous transactions.
- Evolved the platform from service-based isolated containers to a microservice architecture.
- Led ISO/IEC 27001 certification and secured AFTA and Kashef approvals, each in approximately three months.
- Shaped a modular, widget-based banking experience spanning digital rial, virtual gifting, cashback, closed-loop cards, and loyalty.
- Helped earn the Dr. Nourbakhsh Innovation Award and qualify the product for official knowledge-based status.
Fanoos PFM
CTO
Led technical strategy, architecture, and delivery for a consumer personal finance product focused on financial insight and wellbeing.
Selected outcomes01
- Led a team of approximately 10 and helped scale the product to 1.2 million users.
CTO
Led national-scale identity, authentication, digital signature, analytics, and international SaaS products.
Selected outcomes05
- Led a team of approximately 25 across digital identity, signature, analytics, and SaaS delivery.
- Delivered remote onboarding integrated with Sejam and Thana, including facial recognition and liveness detection.
- Built Emzame, a legally compliant digital signature platform spanning tokens, mobile apps, approval chains, and signature inboxes.
- Led Dagizmo, an operational cloud-based HOA platform serving approximately 3,000 units in the US market.
- Established engineering processes, CI/CD pipelines, Jira, and Confluence workflows.
Tecvest · Future Smart Service
Technical Lead
Led web and mobile development in an innovation-focused subsidiary exploring modern digital service platforms.
Selected outcomes01
- Advanced CI/CD automation and modern frontend, backend, and platform-oriented architecture.
Tecvest
Senior Software Developer & Manager
Bridged hands-on engineering and delivery coordination for national-scale tourism products under Tosan Holding.
Selected outcomes03
- Led Visit Iran, a comprehensive national tourism portal.
- Designed hotel, flight, and travel package reservation platforms.
- Integrated international Galileo and Amadeus travel services.
Tosan
Web Developer → Senior Developer
Worked inside one of Iran’s leading core banking providers on large-scale, mission-critical internet banking systems.
Selected outcomes02
- Developed internet banking products and backend services used across much of Iran’s private banking sector.
- Built a strong foundation in regulated financial software, security, and enterprise-scale delivery.
Creative & Interactive Media
Independent Project Work
Delivered independent projects across game design, interactive media, and multimedia applications.
The foundation: curiosity, craft, and independent delivery.
In the media
On the record.
Selected independent coverage of my work in digital banking, neobanking, and regulated fintech innovation.
Ayandeh Bank CEO unveils ABank's digital rial
Coverage of the live ABank demonstration where I presented personal and business wallets, digital rial conversion, point-of-sale payments, and refunds.
Is neobanking still alive in Iran?
An industry-wide examination of Iranian neobanking, featuring my perspective on ABank, product innovation, and the regulatory path ahead.
A passing fever or an inevitable alternative?
A multi-leader examination of Iranian neobanks, featuring my view of neobanking as an engine for change across the country's financial system.
ABank digital rial purchase wins the Dr. Nourbakhsh award
Coverage of ABank's award-winning digital rial purchase experience and the early adoption that created 25,000 wallets in one week.
ABank showcased at the 10th Electronic Banking Conference
Coverage of my product session at Iran's 10th Electronic Banking and Payment Systems Conference, presenting ABank's latest capabilities.
ABank introduced at the 10th Payment Systems Conference
AsreBank's report on the product session where I introduced ABank's latest digital banking capabilities to conference attendees.
ABank reports 10 trillion tomans in monthly transactions
An interview on ABank's operating scale, security, AI-assisted identity verification, and monthly transaction volume.
How I lead
Operator first. Advisor when useful.
Leadership & organization
I have built cross-functional teams from a small founding group, developed new leaders, and created pod-based structures that connect ownership with execution.
Product & business ownership
As CEO of the ABank SBU, I brought technology, product, and marketing under one direction while working across steering, product, risk, and security governance.
Technology & architecture
My leadership remains grounded in architecture: choosing a simple starting point, then evolving the platform toward microservices as scale and organizational complexity demanded.
Testimonials
In their words
Reflections from people I have had the privilege of working alongside.