Projects | Ahmed K Emara

Regulated FinTech Platforms

Mon, 15 Jan 2024 00:00:00 +0000

The problem. Launching a Saudi FinTech that finances and invests through Islamic Sukuk means building correct, auditable money flows and clearing CMA and SAMA licensing before you can go live.

The approach. As CTO at Tarmeez Capital, I led architecture and delivery end to end — financing and investment workflows, back-office and compliance systems, and the controls and evidence needed for regulatory and Big-4 audits — on a modern stack (Go, React, Flutter, Kafka, PostgreSQL, Kubernetes).

The impact. We took the platform from a four-person pre-launch team to 40+ people and a live, CMA/SAMA-licensed Sukuk financing and investment platform, with the governance and audit trail to keep it compliant.

Commerce & Marketplace Platforms

Fri, 01 Sep 2023 00:00:00 +0000

The problem. High-volume commerce breaks on legacy systems: manual reconciliation, fragile inventory, and operations that can’t scale at peak.

The approach. Across two ventures I rebuilt the core. At Dakakyn, I replaced a legacy monolith with an ERP-integrated marketplace — bi-directional order, inventory, and accounting sync, demand forecasting, and a supplier portal. At EgyQuality, I built multi-warehouse order management with barcode-driven fulfillment and Redis-backed catalog and inventory caching for peak load.

The impact. Faster, more reliable operations and higher order throughput — and at Dakakyn, a platform strong enough that the business was acquired (Otlob → Delivery Hero → Talabat Egypt).

AI-Assisted Credit Decisioning & Automation

Thu, 01 Jun 2023 00:00:00 +0000

The problem. Manual credit decisions took days — too slow to compete — but a regulated lender can’t simply hand approvals to a model.

The approach. I led AI- and automation-assisted credit decisioning that streamlines financing workflows while keeping a human in the loop for final approval, in line with regulatory expectations. The same automation push extended across financing, investment, reconciliation, and back-office operations.

The impact. Financing decision turnaround dropped from several days to a few hours, with regulatory-grade human oversight preserved.

Platform Cost Efficiency & Infrastructure

Wed, 01 Mar 2023 00:00:00 +0000

The problem. Cloud bills balloon fast in FinTech, and regulated workloads still demand reliability, security, and observability.

The approach. I built a cost-efficient operating model that blends cloud, bare metal, and virtualization — OCI, OVH, and Proxmox under Kubernetes and Docker, with GitLab CI/CD, automation, and disciplined vendor governance — plus SRE practices for monitoring, alerting, and incident response.

The impact. One of the most cost-efficient infrastructure models in our market, without trading away uptime or audit-grade controls.