
Muhammad Umair
Verified Expert in Engineering
Software Developer
Lahore, Punjab, Pakistan
Toptal member since April 27, 2026
Muhammad Umair is a senior full-stack engineer with 6+ years of experience building scalable SaaS, fintech, and AI-powered web applications. He is proficient in MERN, NestJS, Next.js, TypeScript, cloud-ready architectures, and LLM integrations. Muhammad is product-focused, AI-first, and committed to delivering clean, reliable, production-ready software from concept to launch.
Portfolio
Experience
- Web Development - 6 years
- React - 6 years
- Node.js - 6 years
- Software Engineering - 6 years
- PostgreSQL - 5 years
- React Native - 5 years
- Next.js - 3 years
- NestJS - 3 years
Preferred Environment
MacOS, Slack, Linux, Visual Studio Code (VS Code), Cursor AI
The most amazing...
...thing: making an AI-powered Shopify chargeback system that automates dispute evidence, saves merchants time, protects revenue, and scales chargeback operations.
Work Experience
Senior Software Engineer
Verdivo
- Built and scaled an AI-powered chargeback SaaS for eCommerce merchants, automating dispute workflows and improving recovery efficiency.
- Implemented AI-driven evidence generation using LLMs and integrated Ethoca, RDR, and CDRN networks for real-time chargeback alerts.
- Developed secure authentication and an SEO-optimized SSR front end, ensuring compliance with fintech security and performance standards.
- Led end-to-end product delivery, translating merchant requirements into scalable, production-grade features and systems.
- Designed a Shopify-compatible chargeback automation system that streamlined dispute handling and reduced manual intervention.
Full-stack Senior Software Engineer
CodingCops
- Led full-stack development of AI-powered SaaS, fintech, healthcare, and mobile products using Next.js, NestJS, React Native, TypeScript, PostgreSQL, and AWS.
- Built and scaled Verdivo, an AI chargeback platform with LLM-powered evidence generation, real-time dispute alerts, and fintech-ready merchant workflows.
- Architected AI appraisal workflows using GPT-4o, RAG, Supabase, pgvector, and guardrails to support USPAP-aligned real estate report generation.
- Developed React Native and Expo mobile applications with secure authentication, subscriptions, push notifications, offline workflows, and app store deployments.
- Implemented AI-driven fitness and nutrition workflows using OpenAI, LangChain, LangGraph, PostgreSQL, Prisma, BullMQ, Redis, and third-party health APIs.
- Designed Neo4j graph models and Python ETL pipelines to process large relationship datasets and support intelligent search, analytics, and entity discovery.
- Integrated Stripe, RevenueCat, Apple HealthKit, Google Health Connect, Twilio, AWS S3, Redis, and external APIs across production-grade client platforms.
- Managed 1–5 engineers across product features, code reviews, architecture decisions, delivery planning, and client-facing technical communication.
- Improved product reliability through CI/CD pipelines, Docker deployments, API testing, Swagger documentation, monitoring, and production issue resolution.
- Delivered scalable MVP-to-production systems by translating business requirements into clean architecture, secure APIs, responsive interfaces, and cloud deployments.
Full-stack Software Engineer
Fliclicks
- Built and maintained scalable full-stack web applications using React, Node.js, Express, MongoDB, and REST APIs across multiple client-facing products.
- Developed production-ready dashboards, admin panels, and workflow tools with reusable UI components, clean API integrations, and responsive user experiences.
- Architected back-end services and database models to support secure authentication, role-based access control, reporting, and business workflow automation.
- Integrated third-party APIs, including Stripe, Twilio, Google Maps, AWS S3, and communication services to support payments, notifications, storage, and location-based features.
- Led feature delivery across front-end and back-end tasks while collaborating with designers, QA, and stakeholders to convert requirements into shipped product features.
- Optimized application performance by improving API response handling, database queries, front-end rendering, and debugging production issues across live systems.
- Implemented CI/CD workflows, GitHub Actions, Docker-based deployments, and cloud infrastructure support to improve release reliability and delivery speed.
- Designed data-heavy interfaces, including charts, dashboards, filters, and reporting views, to help users understand business metrics and operational activity.
- Automated repetitive business processes through custom APIs, scheduled jobs, webhooks, and workflow logic, reducing manual effort for client operations.
- Delivered technical documentation, API specifications, and Swagger-based endpoint references to improve team collaboration and long-term maintainability.
Software Development Engineer
Devmind Studios
- Contributed to full-stack development of client-facing web applications using JavaScript, React, Node.js, REST APIs, and database-backed workflows.
- Built reusable front-end components, implemented API integrations, and supported back-end feature development for production applications.
- Collaborated with senior engineers and product teams to convert business requirements into functional, maintainable software features.
- Improved application stability by debugging issues, fixing defects, and supporting testing and release workflows.
- Built a strong foundation in clean code, scalable architecture, and end-to-end feature delivery during my first professional software engineering role.
Experience
Verdivo
https://app.verdivo.io/I developed the platform using React, Next.js, NestJS, and TypeScript, with secure authentication, scalable back-end services, and a performance-focused front end. I also integrated real-time dispute networks such as Ethoca, RDR, and CDRN, giving merchants faster visibility into chargebacks.
Using LLMs, I implemented AI-driven evidence generation that analyzes order, payment, customer, and fulfillment data to prepare structured dispute responses. The platform helped merchants save operational time, improve response quality, act faster on disputes, and protect revenue through a scalable AI-first fintech workflow.
GO (Agentic Performance Marketing Platform)
https://go-agents.io/I worked as a full-stack and AI engineer, building the end-to-end system across a dynamic front end and an asynchronous, queue-based back end. I architected model-agnostic AI workflows that combined probabilistic LLM exploration with deterministic execution controls, ensuring AI outputs could be reviewed, validated, and safely executed within business and partner constraints.
I also engineered specialized task-driven agents, including a Deployment Agent for generating and launching campaign assets and a Reporting Agent for aggregating live performance signals and workflow outcomes. By integrating compliance guardrails directly into the workflow infrastructure, the platform supported safer AI-driven campaign operations, real-time optimization, and scalable marketing automation.
CrossRoads
https://crossroad-taupe.vercel.appI architected a two-pass LLM pipeline using GPT-4o, separating factual extraction from reasoning to improve accuracy and reliability. The system was backed by a RAG knowledge base using Supabase and pgvector, with production guardrails for USPAP compliance, multimodal property photo analysis, and Zod-validated AI output contracts to keep responses structured and traceable.
I also built the Next.js 14 interface with inline correction workflows, allowing appraisers to review, adjust, and improve AI outputs directly inside the product. The feedback loop embedded appraiser corrections for future retrieval, while the narrative generation engine produced USPAP-aligned Markdown reports with supporting evidence and citations.
Marriage.pk
https://marriage.pk/I initially built the cross-platform mobile application using Flutter, but for the first launch, we shifted the core experience to WhatsApp to improve accessibility and adoption. I engineered the automated AI agent workflow using LangGraph and the Meta WhatsApp Cloud API, enabling users to complete onboarding, answer complex matchmaking questions, and receive intelligent profile recommendations directly inside WhatsApp.
I also contributed to the back end using Node.js and MongoDB, and supported the Next.js back-office dashboard for profile curation and administration. The result was a private, scalable, and culturally aligned matchmaking workflow that replaced manual registration with an AI-powered conversational experience.
CF Cruncher, an Investor Startup Fundraising Platform
https://app.codingfiesta.com/I developed the front end from scratch using React, TypeScript, and Material UI, with a strong focus on scalable architecture, reusable components, clean state management, and responsive user experience. I also led the migration to Next.js and TypeScript, improving SEO performance, page load speed, maintainability, and overall product quality.
I worked closely with product and design teams to translate Figma designs into pixel-perfect, high-performance interfaces while ensuring the platform could support complex investor data, search flows, filters, dashboards, and startup-facing fundraising workflows.
AI-powered Fitness and Meal Planning App
I contributed across the full stack, building mobile workout and meal-tracking flows, Apple HealthKit and Google Health Connect integrations, push notifications, Google and Apple SSO, and subscription management through RevenueCat and Stripe. On the back end, I worked with NestJS, PostgreSQL, Prisma, BullMQ, Redis, AWS S3, and REST APIs to support reliable user workflows and production-scale background jobs.
I also implemented AI-driven workout and meal plan generation using OpenAI, LangChain, and LangGraph, integrating nutrition and exercise data from services like Edamam and ExerciseDB. The platform was deployed to the App Store and Google Play, helping users receive more personalized fitness guidance while enabling the business to deliver a scalable, AI-first mobile product.
Clinica, a Medical Records and Body Scan App
I led a team of three engineers and owned the product from planning to deployment. I built the cross-platform mobile app using React Native, Expo, and TypeScript, along with a React-based admin panel for uploading and managing medical reports through CSV and Excel workflows. I also developed the back end using Node.js, Express, and MongoDB, with AWS S3 for secure storage and retrieval of medical records.
To strengthen security and patient experience, I implemented OTP authentication, biometric login, Twilio-based communication, Intercom support, GitHub Actions CI/CD, and AWS EC2 deployment. The final product helped the wellness center digitize patient record access, improve operational efficiency, and deliver a secure, modern healthcare experience across mobile and admin workflows.
AutoNova Systems
I contributed to the design and implementation of the back end using NestJS, TypeScript, PostgreSQL, Prisma, Bull/Redis, and clean architecture principles. I worked on core modules, including deal lifecycle management, finance manager workflows, role-based access control, automated scheduling with fairness logic, background job processing, and workflow automation across dealership teams.
The system is integrated with automotive DMS providers such as Fortellis and Reynolds, along with AWS S3/SES for document storage and email delivery, and real-time communication tools such as CometChat and Pusher. My contribution helped create a scalable enterprise back end that coordinates dealership operations through reliable workflows, secure access controls, and production-grade integrations.
Education
Bachelor's Degree in Computer Science
Government College University Lahore - Lahore, Pakistan
Skills
Libraries/APIs
React, Node.js, Stripe, Stripe API, Shopify API, REST APIs, Twilio API, Auth, OpenAPI, Zod, Google Maps, API Development, React Query, Google Maps API, Google API, React DnD, OpenAI API, Playwright, Claude API, Vue, GraphQL API, WhatsApp API, Inertia
Tools
Slack, Jira, Claude, Expo, Prisma, Kafka Streams, Google Cloud Console, Drizzle ORM, Shadcn, Amazon CloudWatch, RTK Query, Android Studio, Prettier, Apple HealthKit, Terraform, Celery, GitHub, TanStack Router, NGINX, Google Analytics, Auth0, Amazon Elastic Container Service (ECS), Postman, ChatGPT, CometChat, Git, Claude Code, Figma, Codex, You Only Look Once (YOLO)
Languages
Modern JavaScript, TypeScript, HTML, SQL, GraphQL, JavaScript, Python, CSS, HTML5
Frameworks
Next.js, NestJS, React Native, MUI CSS, Express.js, Material UI, Redux, JSON Web Tokens (JWT), Tailwind CSS, Jest, Selenium, Django, Swagger, tRPC, gRPC, Cypress, Vanilla JS, AdonisJS
Paradigms
Search Engine Optimization (SEO), REST, Microservices, Clean Architecture, Dependency Injection, Role-based Access Control (RBAC), REST API Architecture, DevOps, Event-driven Architecture, Automation, Continuous Delivery (CD), Continuous Integration (CI), Responsive Web Design (RWD), UI Design, HIPAA Compliance, Database Design, Real-time Systems, Scalable Application, Mobile Design, Mobile UI Design, API Architecture, App Development, Mobile Development, Agile, Test-driven Development (TDD), Model Context Protocol (MCP)
Platforms
MacOS, Amazon Web Services (AWS), Linux, Visual Studio Code (VS Code), Amazon EC2, LangSmith, RevenueCat, Vercel, Docker, Web, Android, AWS Lambda, Twilio, Google Cloud Platform (GCP), Firebase, Azure, Google AppSheet, Mapbox, iOS, Kubernetes
Storage
PostgreSQL, MongoDB, Data Pipelines, Databases, Google Cloud, MySQL, Redis, Amazon S3 (AWS S3), Relational Databases, DB, Cloud Deployment, NoSQL, JSON, Database Structure, Neo4j, Amazon DynamoDB, SQLite
Industry Expertise
Web Design
Other
Cursor AI, Software Development, Web Development, System Design, SaaS, Machine Learning, Artificial Intelligence (AI), AWS ECS Fargate, LangChain, IAP SDK, Chargeback, Web Crawlers, GitHub Actions, Styku API, LLM Integration, LangChain / RAG, Supabase, AI Architecture, Prompt Engineering, React Native IAP, Software Engineering, Healthcare Software, Fintech, Multi-tenant SaaS, Architecture, Design, Front-end Development, Mobile App Development, Mobile Apps, AI Integration, Dashboards, Data Modeling, Workflow Automation, User Experience (UX), User Interface (UI), Charts, Dashboard Design, Data Visualization, AI Agents, AI Chatbots, API Integration, Full-stack Development, SMS, Technical Documentation, Mobile UI, RESTFul APIs, UI Animation, Minimum Viable Product (MVP), APIs, WebSockets, Cloud Infrastructure, Gemini, Technical Leadership, Agentic AI, HIPAA, Webhooks, Push Notifications, General Data Protection Regulation (GDPR), Storage, API Gateways, Performance Optimization, Large Language Models (LLMs), Cloudflare, Resend, Vite, Deployment, eCommerce, Tailwind UI, Infrastructure, Data Architecture, Solution Architecture, Systems Design, Real-time Data, OAuth, Third-party APIs, Single Sign-on (SSO), Vibe Coding, Data Transfers, Payment APIs, Integration, Payments, Scalable Architecture, Scalable Platforms, Scraping, Web Scraping, Medical Billing, UI Engineering, Web Application Security (Web AppSec), Offline Data Synchronization, RAG Systems, Software as a Service (SaaS), Stripe Subscriptions, CI/CD Pipelines, API Design, API Testing, Back-end, Application Modernization, Document Processing, PDF, Startups, Pgvector, Code Review, Mobile Back-end, Security, Fortellis, Relational Database Services (RDS), MERN Stack, Recommendation Systems, Full-stack, Optical Character Recognition (OCR), Analytics, Metabase, Authentication, Marketplaces, Computer Science, Software Architecture, Website Performance, AI-assisted Development, Command-line Interface (CLI), System Architecture, Agentic AI Systems, Agentic Workflow Design, Third-party Integration, Data Structures, Retrieval-augmented Generation (RAG), Agentic Coding, Web Application Design, Devin, Code Auditing, Live Chat, Communication, Generative Artificial Intelligence (GenAI), Scalability, Privacy, Performance, Algorithms, QR Codes, App Store Acceptance Process, Multi-agent Orchestration, Multi-agent Systems, Supabase Auth, GitHub Workflows, VPS, FastAPI, Row-level Security (RLS), Workflow, Gemini API, Front-end, Warp, Object Detection, IP Cameras, AI Programming, Workflows, Lovable, AI Tools, Audio, Geofencing, CRM, Embedding Models, Accessibility
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