Hafiz Uzair Ashraf — headshot

Uzair Ashraf

Software Architect

I build fintech & payment platforms end-to-end — and I'm bringing AI/LLM capabilities into production software.

01. About

I'm a Software Architect and Senior Full-Stack Engineer with 9+ years building fintech and enterprise products end-to-end — .NET backends, Angular/React front ends, and the Azure DevOps pipelines that ship them. Team Lead from 2019; architect since 2024.

Most of my work lives in payments: card-issuing wallets and transaction-acquiring engines processing 1M+ transactions a day across Latin America, built and operated in PCI DSS–scoped environments. I lean on Clean Architecture and Domain-Driven Design to keep complex financial systems maintainable as they scale.

Right now I'm focused on bringing AI/LLM capabilities into production apps and modernizing on the latest .NET. Open to senior/staff and engineering-lead roles — USA, UK, EU (relocation + sponsorship) and Pakistan.

Integrated in production with MASTERCARDVISAAMEXCLAVE
9+
Years Experience
1M+
Transactions Processed / Day
10+
Years in Production (NeoGateway)
1,000+
Stores on Wa! QR Network

02. Experience

2024 — Present

Software Architect

CROEM (Pvt.) Ltd. — Fintech (~100 employees) · Islamabad
  • Lead architecture and technical strategy for payment platforms processing 1M+ transactions a day — microservices, event-driven systems (Azure Service Bus, RabbitMQ, Kafka), CQRS and DDD.
  • Integrate AI/LLM capabilities into production systems: RAG pipelines, AI chatbots and agent workflows on Azure OpenAI, Claude and Semantic Kernel / LangChain.
  • Own technical decision-making — technology selection, coding standards, architecture reviews and Azure DevOps CI/CD design — in PCI DSS–scoped environments.
  • .NET 8
  • Azure
  • AI / LLM
  • Kafka
  • CQRS / DDD
  • Azure DevOps
2019 — 2023

Senior Full-Stack Engineer · Team Lead

CROEM (Pvt.) Ltd. — Fintech · Islamabad
  • Led a development team across code review, CI/CD and real-time production support for card-issuing and acquiring platforms across LATAM.
  • Led a transaction-processing initiative that cut processing time ~20%, improving system efficiency and client satisfaction.
  • Built secure, compliance-aware financial systems with Clean Architecture / DDD / modular-monolith patterns.
  • .NET
  • Angular
  • React
  • DDD
  • SQL Server
2017 — 2018

Full-Stack Software Engineer

FUTURESOL — Islamabad
  • Built an ERP solution from scratch through to production release — front end, back end, and MS SQL database design.
  • Drove a stability initiative that reduced post-release issues ~30% through rigorous testing and debugging.
  • .NET
  • SQL Server
  • JavaScript

03. Featured Projects

Wa! — MI Wallet

CARD ISSUING · PANAMA

All-in-one wallet and prepaid card-issuing platform: benefits reception, savings accounts, bill pay, and QR withdrawals at 1,000+ stores. Live at daimvirtual.com.

  • .NET 8 API
  • ABP.IO / DDD
  • SignalR
  • Ionic-Angular
  • React
How it's built ▾
Problem

Panama's unbanked and underbanked population needed a single mobile app to receive benefits, hold a prepaid balance and pay/withdraw cash — without a traditional bank account, and without card data ever touching an insecure surface.

Architecture

Modular-monolith .NET 8 API on ABP.IO / DDD, so card-issuing, wallet-ledger and merchant-QR modules evolve independently while sharing one PCI DSS–scoped deployment boundary. SignalR pushes real-time balance and transaction-status updates to the Ionic-Angular and React clients — no polling, so 1,000+ merchant terminals stay responsive under load.

Outcome

Live in production with QR withdrawals accepted at 1,000+ stores across Panama.

NeoGateway

PAYMENT GATEWAY · USA

Transaction-acquiring engine (eCommerce, POS, IVR, SDK, API) integrated directly with Mastercard, VISA, AMEX, CLAVE — 10+ years in production across Latin America, covering processing through clearing and settlement.

  • .NET Core
  • DDD / MVVM
  • Angular
  • SQL Server
How it's built ▾
Problem

Merchants across Latin America needed one acquiring engine that could take a card transaction from any channel — web checkout, point of sale, IVR phone payment, or a partner's own app via SDK — through to settlement, without each network integration becoming a bespoke one-off.

Architecture

DDD-modeled acquiring core behind a single API surface, with channel-specific adapters (eCommerce, POS, IVR, SDK) translating into one canonical transaction domain. Direct network integrations to Mastercard, VISA, AMEX and CLAVE keep routing and reconciliation logic centralized instead of duplicated per channel — the reason the same core has stayed in production for over a decade through .NET Framework 4 → .NET Core 3.1 migrations.

Outcome

10+ years in continuous production across Latin America, covering the full path from processing to clearing and settlement.

MiCedulad

AWARD-WINNING · CIVIC

Award-winning COVID-19 citizen-assistance platform built for Panama, delivering essential aid to citizens during the pandemic.

  • .NET Core 3.1
  • DDD
  • Ionic-Angular
  • Azure DevOps

Property Manuel

SAAS · HOME MGMT

Home-management platform for documents, warranties and manuals, with automated appliance-manual enrichment. Free to use.

  • .NET 8 API
  • ABP.IO
  • SignalR
  • Ionic-Angular

View the full project archive →

04. Skills

Backend

C# · .NET / .NET Core (→ .NET 10) · ASP.NET Core Web API · EF Core · Dapper · ABP.IO · SignalR · Node.js

Frontend

Angular · React · React Native · Ionic · TypeScript · Bootstrap

Architecture

Clean Architecture · Domain-Driven Design · Modular Monolith · Microservices · REST

Data & DevOps

SQL Server · MongoDB · Azure DevOps CI/CD · Git · Production support

Payments & Compliance

PCI DSS–scoped engineering · secure card-data handling · card-network integrations (Mastercard, VISA, AMEX, CLAVE) · transaction processing, clearing & settlement

AI Engineering ▲ growing

LLM / RAG integration · AI-assisted development · Claude & OpenAI APIs · agentic workflows · .NET Aspire

05. Contact

Let's build something hard.

I'm open to senior/staff engineering and lead roles in fintech and AI-enabled products — USA, UK, EU (relocation + sponsorship) and Pakistan. My inbox is always open.

Say Hello →