Mohammad Adil
Riyadh,Ad Dhubbat
Summary
Backend Engineering Lead with 8+ years of experience designing scalable microservices across Fintech and eCommerce platforms.
Currently leading the CashLoan microservices platform at Quara Finance, responsible for customer onboarding, salary verification, eligibility evaluation, contract lifecycle management, and loan disbursement workflows aligned with SAMA regulatory guidelines within the Saudi digital lending ecosystem.
Experienced in building event-driven systems using Apache Kafka and implementing distributed scheduling using JobRunr and ShedLock deployed on OCI Kubernetes Engine (OKE).
Hands-on experience in integrating Saudi national digital platforms, including Nafath for identity verification, SIMAH for credit evaluation, and Provenir eligibility engine to support automated loan decisioning and Loan Management System (LMS) lifecycle updates.
Additionally, experienced in developing AI-powered financial assistants using Spring AI, Retrieval-Augmented Generation (RAG), Pinecone Vector Database, and OpenAI/Ollama models to enable bilingual (Arabic & English) customer interactions for loan eligibility, EMI advisory, and financial policy retrieval.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Java Lead - Backend
Quara Finance
Riyadh
10.2023 - Current
- Leading the architecture and development of CashLoan microservices ecosystem powering Loan Origination System (LOS) workflows, including customer onboarding, salary verification, eligibility assessment, contract lifecycle management, and loan disbursement processes aligned with SAMA regulatory guidelines.
- Integrated Nafath for secure national identity verification and customer onboarding.
- Implemented credit decisioning workflows via SIMAH (Saudi Credit Bureau) integration for real-time credit history evaluation.
- Integrated with ELM government services for customer data validation and regulatory compliance checks.
- Enabled financing lifecycle workflows via Nafaes integration for loan processing and external system orchestration.
- Integrated with the Nafith platform for digital contract validation and verification.
- Designed a Kafka-based event-driven payment initiation workflow for loan disbursement.
- Implemented distributed job processing using JobRunr + ShedLock across Kubernetes pods to ensure idempotent loan processing.
- Integrated Provenir Eligibility Engine for automated loan decisioning.
- Enabled Loan Management System (LMS) contract lifecycle updates, including disbursement and repayment scheduling.
- Deployed backend services on OCI Kubernetes Engine (OKE) using Ingress-NGINX and OCI Load Balancer.
- Configured Memcached caching layer to optimize customer contact information APIs.
- Implemented centralized monitoring and alerting using ELK Stack.
- Working extensively with Saudi national digital platforms and government integrations to ensure compliant and secure digital lending workflows.
Module Lead - Java
Ferns N Petals Pvt. Ltd
Hyderabad, Telangana
04.2022 - 10.2023
- Engineered a user-friendly registration flow and integrated social login via Google and Facebook.
- Implemented JWT (JSON Web Tokens) for secure user authentication, ensuring data integrity and user privacy.
- Designed and managed the token validation flow, enhancing system security and protecting against unauthorized access.
- Designed and implemented a product hide feature in Apache Solr JVM, enhancing product listing pages' functionality and user experience.
- Improved search result relevance and performance, resulting in increased customer satisfaction.
- Created a dynamic recently viewed widget using Redis with Zrange, delivering real-time user engagement and product visibility.
- Enhanced user retention and conversion rates through personalized recommendations.
- Developed an optimized approach for managing order grids, streamlining workflow, and productivity for the customer support team.
Software Engineer
COMAKE IT SOFTWARE PRIVATE LIMITED
Hyderabad, Telangana
08.2020 - 01.2021
- Integrated payment gateways to enable secure and efficient online transactions, enhancing the user checkout experience.
- Collaborated with cross-functional teams to identify system requirements, improving software functionality and user experience.
Senior Java Developer
Crashmeal Services Inc
Hyderabad, Telangana
04.2019 - 08.2020
- Created engaging email and push notification designs to boost customer engagement and retention.
- Developed an efficient end-to-end order assignment flow in the Driver Module for faster deliveries and improved customer service.
- Designed and developed a robust module to dynamically adjust outlet and menu availability based on time zones, ensuring a seamless customer experience, regardless of location.
- Spearheaded the design and development of a comprehensive driver management system, streamlining driver onboarding, tracking, and performance evaluation.
- Engineered a driver shift management module, allowing for efficient allocation of driver resources during peak hours, and ensuring balanced workloads.
Software Engineer
ILM INFOSOFT GEOSPATIAL & IT SOLUTIONS
Hyderabad Area
03.2017 - 08.2018
- Integrated Google Services, including Distance Matrix, Geography, and Places, to enhance location-based features.
- Designed a notification service for effective user engagement.
- Developed and published a mobile application on app stores for wider accessibility.
- Implemented essential backend functionality to support the application's core features.
Education
Master of Computer Applications (M.C.A.) - Computer Science And Engineering
National Institute of Technology
Warangal01-2016
Skills
- Programming Languages: Java, Python
- Backend & Frameworks: Spring Boot, Spring Framework, Microservices Architecture, JPA
- AI / ML Technologies: RAG (Retrieval-Augmented Generation), LLM, OpenAI, Chatbot Development
- Cloud Platforms & Architecture: AWS (CloudFront, S3, EC2, Load Balancer), Event-Driven Architecture
- Messaging & Search: Apache Kafka, Apache Solr, Debezium (CDC)
- Databases: MySQL, PostgreSQL, MongoDB
- Google Services: Google Maps APIs, Firebase Cloud Messaging (FCM)
- DevOps & CI/CD: Docker, Kubernetes, Jenkins, GitLab CI/CD, JFrog
- Build Tools: Maven, Gradle
- Version Control Systems: GitLab, GitHub, Bitbucket
- Tools & Libraries: Liquibase, Swagger, Jacoco, Jira, Confluence
- Design & Architecture: Design Patterns, Schema Design
- Frontend Exposure: HTML, CSS, React
Certification
- An Introduction to Microservice Principles and Concepts
- Developing Microservices with Spring Boot
- Microservice Architecture: Practical Implementation
- Code.fun.do Problem Solving (Basic) Certificate
Languages
Urdu
English
Hindi
Websites, Portfolios and Profiles
www.linkedin.com/in/adil-azmi
https://github.com/adilazmi786
Timeline
Java Lead - Backend
Quara Finance
10.2023 - Current
Module Lead - Java
Ferns N Petals Pvt. Ltd
04.2022 - 10.2023
Software Engineer
COMAKE IT SOFTWARE PRIVATE LIMITED
08.2020 - 01.2021
Senior Java Developer
Crashmeal Services Inc
04.2019 - 08.2020
Software Engineer
ILM INFOSOFT GEOSPATIAL & IT SOLUTIONS
03.2017 - 08.2018
Master of Computer Applications (M.C.A.) - Computer Science And Engineering
National Institute of Technology