verified customers
CTO · Fintech Executive · Technology Advisor
I 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.
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.