Muhammad P.

About Me

Muhammad is a Senior Full-stack Developer with 5+ years of experience developing high-performance microservices for financial services, digital banking, marketing, and content management using cloud technologies to drive efficiency and user engagement. He builds scalable software solutions in the fintech and payment space using Java, Spring, PHP, Laravel, Node.js, React, and other technologies.

Frontend

React HTML

Backend

Other

Work history

Stanbic IBTC
Stanbic IBTC
Software Engineer
2024 - Present (1 year)
Lagos, Nigeria
  • Decomposing the service into payment, reversal, and fulfillment microservices, reducing response times by 30% through parallel processing and optimized query execution.

  • Optimizing airtime reversal workflows, achieving near-instant reversals in minutes (previously hours for some cases) through an optimized architecture.

  • Integrated NIBSS Automated Payment Services (NAPS), enabling real-time and bulk transaction processing using Java/JEE, Spring Boot, REST APIs, Oracle, and OpenShift.

  • Developing microservices for payroll, pensions, and vendor payments, supporting 2M+ users monthly, and automating batch disbursements to reduce manual effort and errors.

  • Ensuring transactional integrity through logging, dual authorization, and core banking integration and enabling disbursement of billions of naira in payroll, investments, and pensions weekly.

  • Built the Non-Resident Biometric Verification System (NRBVN) for customers in the diaspora, enabling seamless BVN enrollment, multi-currency domiciliary account opening, and remittance services through a scalable digital KYC and onboarding system.

  • Optimized the Funds Transfer Reversal Service to enable efficient interbank and intrabank reversal processing using Java, Spring Boot, and Azure, cutting processing time to under 1 minute, reducing manual effort by 40%, and boosting efficiency through real-time Finacle and NIP integration.

  • Developed a consent management system that ensures compliant user consent across digital banking and third-party integrations, implemented as a microservice with granular scopes and audit logging for regulatory traceability.

  • Led legacy banking services’ modernization, converting Java/Apache Camel SOAP services to Spring Boot REST APIs, containerizing services, and deploying on Azure, improving API performance by 50%.

  • Optimized critical banking services (wallet management, account operations, customer data) into secure, scalable microservices using Java, Spring Boot, and Azure, reducing processing times by 40%.

  • Automated bank statement generation, reducing turnaround time by 70% and banking hall queues.

Crifs
Crifs
Software Engineer
2024 - 2024
Lagos, Nigeria
  • Developed a money transfer system, a high-performance platform for real-time payments and crypto conversions, using Java, Spring Boot, MySQL, Docker, and GitHub Actions.

  • Built an asynchronous module for NIP transactions, ensuring low-latency transfers, integrated fiat-to-crypto APIs for multi-currency transfers with real-time rate reconciliation, and designed a Webhook system for payment status updates, ensuring real-time synchronization.

  • Developed a KYC verification flow with tier-based onboarding and identity service integrations and created transaction statement and fee computation modules for detailed ledger reporting.

  • Engineered an investment and asset management platform, a scalable system for fund allocation and profit distribution, using Java, Spring Boot, MySQL, and Docker.

  • Automated monthly profit rewards and maturity updates, eliminating manual processes, implemented secure withdrawal flows and balance tracking for seamless redemptions, and optimized relational schemas for financial calculations, ensuring audit readiness and data integrity.

  • Standardized APIs with detailed documentation, enabling seamless front-end/mobile integration and faster time-to-market.

Pareto Publishing
Pareto Publishing
Software Developer
2022 - 2024 (2 years)
Remote
  • Built an automated news curation platform, an engine for scraping and curating news content, using PHP, Laravel, React, AWS, MySQL, and Cron.

  • Developed a scraping engine for 50+ news sites, reducing manual sourcing by 90%, and delivered a dashboard API for content review, regeneration, and manual scheduling.

  • Implemented content classification, increasing click/open rates by 37% with targeted content, and enabled 70% more newsletters/blogs published daily, boosting ROI through dynamic templates.

  • Designed a centralized ad management platform, a self-service system for ad creation and scheduling, using PHP, Laravel, React, AWS, and MySQL.

  • Built systems, APIs, and web interfaces for ad creation/scheduling, cutting planning time by 70%, and enabled creative reusability with metadata tagging and media library integration, onboarding 58% more advertisers within 6 months.

  • Developed a news content plugin, an intelligent tool for image suggestions in news content, using PHP, Laravel, MySQL, and REST APIs.

  • Parsed titles for semantic keyword extraction, fetching royalty-free images, integrated with news curation tool for newsletters, WordPress sites, and blogs, cached results, and created an image fallback library, reducing design workload by 80%.

  • Engineered data-driven email campaign optimization, a back-end suite for large-scale email campaigns, using PHP, MySQL, and AWS (Athena, ECS, S3).

  • Automated ETL pipelines with AWS Athena and Functions, saving $3,000/month.

  • Built a segmentation system analyzing open/click rates, boosting engagement with customized content, and developed APIs and KPI dashboards for open rate, click rate, and revenue lift, optimizing queries for hundreds of millions of records to enhance performance.

PHPLaravel React AWSMySQLCronAPIsREST APIs Document Parsing Scraping News Publishing AWS AthenaAmazon Elastic Container Service (Amazon ECS) AWS S3ETL Pipelines AWS Step FunctionsDashboards
Atlantic Appliance
Atlantic Appliance
Software Developer
2022 - 2022
Remote
  • Developed an intelligence platform, a tool for tracking and predicting appliance part prices, using PHP, JavaScript, MySQL, and React.

  • Built a modular scraping engine to handle anti-bot protection and data normalization.

  • Developed algorithms for predictive pricing, enabling 35% cost savings.

  • Created a React-based web interface for price comparisons and trend visualizations.

  • Implemented filter/search features, improving usability for B2B/B2C users.

Education Online Nigeria (EON)
Education Online Nigeria (EON)
Full-stack Web Developer
2020 - 2022 (2 years)
Ilorin, Nigeria
  • Designed a self-service e-library platform, a user-friendly system for digitizing school libraries, using PHP, Laravel, MySQL, JavaScript, Docker, and AWS S3, enabling library digitization in under 5 minutes with intuitive onboarding.

  • Built content uploading, search, and access control features, integrated AWS S3 for scalable file hosting, supporting multiple formats, and supported branding/themes and role-based user management for diverse institutions.

  • Developed a centralized school management system, an all-in-one platform for school operations, using PHP, Laravel, MySQL, JavaScript, and Docker, automating student registration, grading, and fee management and increasing accuracy by 70%.

  • Built a financial engine for invoicing and real-time reporting, reducing manual workload by 60%.

  • Implemented assignment distribution, GPA calculation, and ID generation.

Education

BE Electrical and Electronics Engineering
BE Electrical and Electronics Engineering
University of Ilorin - Nigeria
2016 - 2021 (5 years)