Background

I turn complex problems into production-ready software.

I help startups and product teams go from idea to shipped product — building scalable, high-performance systems that hold up under real-world load. What sets me apart is the full-spectrum ownership: I architect, build, deploy, and iterate without handoff friction.

Over 6 years I've worked across FinTech, Web3, healthcare, language learning, and marketplace products — for startups in the UK, Estonia, Mexico, and Turkey. From designing system architecture from scratch to improving stability on HSBC-grade enterprise platforms, I've owned the full technical decision stack: choosing the right architecture pattern, defining API contracts, designing data models, and shipping production code. That range gives me an unusually practical view of what actually matters at different stages of a product.

Muhammad Murtaza — Senior Full Stack Developer
Status
Available for impact
Domain Depth

Industries I've built for

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FinTech & Banking

Payment platforms, digital banking apps, and HSBC enterprise web systems — built with data encryption, compliance awareness, and sub-100ms API response targets.

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Language Learning & EdTech

Large-scale SaaS platforms with AI-powered learning flows, multi-language interfaces, and serverless AWS infrastructure handling thousands of daily active users.

storefront

Marketplace & E-Commerce

Multi-sided marketplaces connecting vendors, customers, and admins — real-time inventory, Stripe payment processing, and role-based access control.

currency_bitcoin

Web3 & Blockchain

DeFi frontend applications, Solidity smart contracts deployed on Binance Smart Chain, and Uniswap SDK integrations for decentralised exchange functionality.

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Healthcare

Platforms for patient record management with automated voice transcription via Google Translate, real-time Firebase sync, and HIPAA-aware data handling.

phone_iphone

Mobile & Cross-Platform

iOS and Android applications built with React Native and Ionic — native-quality performance and shared codebases that cut delivery time significantly.

neurology

AI & Intelligent Automation

Embedding LLMs into real products — RAG pipelines, document processing, voice transcription workflows, and AI-powered feature layers using OpenAI and Anthropic APIs.

Philosophy

What I care about

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Business impact over task completion

Shipping features is easy. Shipping features that move the right metric is the actual job. I ask "why" before I ask "how".

reduce_capacity

Reduce ambiguity for everyone

Developers work faster when requirements are clear. Stakeholders make better decisions when trade-offs are visible. I close the gap between both.

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Code that ages well

The most expensive code is the kind you have to rewrite six months later. I write for the next developer, not just for today's deadline.

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Ownership from day one

I treat every project as if my name is on the product. That means proactive communication, honest estimates, and accountability when things go sideways.

Career Journey

Apr 2024 — Present

Full Stack Developer

Languvi — Turkey

Improved user experience by 30% through a comprehensive redesign effort. Reduced page load time by 40% via targeted SEO and performance optimisations. Fixed critical frontend bugs, reducing UI issues by 50%, and enhanced serverless backend architecture and APIs.

Next.jsTypeScriptTailwind CSSServerless
Feb 2023 — Apr 2024

Software Developer

RhinoSystems — Mexico

Built and maintained multiple client platforms including an HSBC bank web application (improved stability by 30%, reduced frontend issues by 40%), the RhinoPay mobile app using Ionic and React (boosted engagement by 35%), and a digital account opening platform with Incode Omni data encryption.

IonicReactIncode Omni SDKTypeScript
Feb 2022 — Feb 2023

Blockchain Developer

NowBank — Estonia

Deployed smart contracts on Binance Smart Chain using Solidity, and built DeFi-integrated Web3 frontend applications. Integrated Uniswap SDK for decentralised exchange functionality and built Web3.js-powered interfaces for the blockchain banking platform.

SolidityReactWeb3.jsUniswap SDK
Mar 2021 — Present

Full Stack Developer

Self-Employed

Built AutoSpare, a comprehensive marketplace for auto spare parts using the T3 stack, with dedicated platforms for vendors, customers, and admins. Also developed Rooks, a healthcare platform for doctors to manage patient records with automated voice transcription via Google Translate.

Next.jsAWSFirebaseStripe

Education

school

MS Computer Science and Technology

Ulster University — United Kingdom

Feb 2025 — Present
school

BSc Software Engineering

COMSATS University — Pakistan

Feb 2019 — Feb 2023

Let's build something together.

Whether you're a startup that needs a technical co-pilot or a team looking for a senior engineer who can own delivery end-to-end — I'm open to the right opportunity.