Riyaz Ahmed

<p>Architected and deployed a real-time Personal Loan Offer Ranking LLM, replacing static heuristic rule engines with dynamic borrower intent scoring and late-stage re-ranking to boost offer acceptance rates while maintaining fair-lending compliance.</p><p> Architected multi-agent platform orchestration services, enabling autonomous workflows, dynamic tool-calling, and RAG pipelines integrated directly into core customer-facing fintech applications.</p><p> Championed AI-assisted engineering across 15+ engineers, embedding LLM workflows for automated code analysis, test generation, schema validation, and architecture reviews to lift team velocity by 2-3x.</p><p> Lead end-to-end architecture for multi-tenant fintech platforms spanning personal loans, credit cards, payments, collections, verification, and servicing using microservices, Java, React, Node.js, GraphQL, Kubernetes, and GCP.</p><p> Architected a universal React Native platform using Tamagui, unifying web and mobile design systems while achieving 40-50% cross-platform code reuse, zero-runtime style extraction, and faster bundle render times across customer-facing surfaces.</p><p> Engineered payment and collections capabilities that increased payment success by -30%, reduced roll rates by -18%, and contributed to a 20.6% reduction in annualized net charge-offs.</p><p> Automated borrower verification workflows, scaling platform capacity and cutting manual reviews by -30% in a highly regulated financial-services environment.</p><p> Drive platform and cloud modernization across GCP migration, GraphQL federation, Auth0-based identity, monorepo consolidation, observability, CI/CD, and shared engineering capabilities.</p><p> Architected and implemented a reusable Kubernetes health-check framework across containerized full-stack apps, integrating liveness/readiness probes with multi-pod deployments to automate failure recovery and safe traffic routing.</p><p> Author and establish reusable architecture, API, integration, and platform patterns, deploying GraphQL federation, REST contracts, and monorepo tooling to eliminate technical complexity and improve interoperability across business-critical applications.</p><p> Drive cross-functional technical governance across Engineering, Product, Risk, Security, Operations, UX, and QA, translating complex fintech regulatory requirements into scalable architectural blueprints, technical RFCs, and production-ready systems.</p><p> Provide hands-on technical leadership across frontend, backend, platform, and AI initiatives, defining architecture and engineering direction while mentoring 15+ engineers and remaining actively engaged in system design, code reviews, technical decisions, and production delivery.</p>

<p>Developed and maintained scalable, high-performance web applications supporting online real estate auctions, property listings, and customer-facing workflows.<br>
Designed and implemented reusable frontend components to improve application maintainability, usability, and consistency.<br>
Built and integrated RESTful APIs to enable seamless communication between frontend applications and backend services.</p>

<p>Provided hands-on technical leadership across application architecture, system design, development, and delivery, guiding engineering teams through complex technical initiatives.<br>
Drove architecture and design decisions across application and database layers, improving platform scalability, performance, reliability, and maintainability.<br>
Mentored engineers, established development practices, resolved critical technical issues, and raised engineering quality across project teams.<br>
Partnered with product and delivery stakeholders to translate business requirements into scalable technical solutions and drive initiatives through production.</p>

<p>Designed and developed RAPID, an enterprise IT infrastructure and ITSM platform based on ITIL practices, supporting integrated processes across people, technology, information, and infrastructure operations.<br>
Led application and database architecture, defining scalable technical designs and data models to support enterprise-wide IT service management capabilities.<br>
Provided hands-on technical leadership across design and development, guiding engineers through implementation, complex technical decisions, and solution delivery.<br>
Established technical direction and development practices across modules, improving architecture consistency, maintainability, and engineering quality.<br>
Mentored engineers and collaborated with cross-functional stakeholders to translate ITSM requirements into scalable enterprise technology solutions.</p>

<p>Developed customer-facing web applications for Yahoo products including Yahoo Travel, Yahoo Search, Yahoo Microsites, and Yahoo Promos, contributing to high-traffic consumer digital experiences.<br>
Built, tested, and integrated user-interface components with large-scale backend applications, supporting reliable delivery across multiple Yahoo web platforms.<br>
Collaborated across engineering and product teams on application enhancements, technical documentation, and website redesign and release initiatives.</p>

<p>Designed and developed web applications for corporate and nonprofit clients, contributing across frontend, backend, database, testing, deployment, and production support.<br>
Built full-stack solutions using PHP, MySQL, AJAX, XHTML, CSS, and JavaScript, integrating interactive user experiences with server-side applications and relational databases.<br>
Managed application deployment, hosting, security, performance optimization, and ongoing production enhancements across multiple client-facing web platforms.</p>

<p>Developed consumer web, search, travel, promotional, and microsite solutions, contributing to scalable digital experiences across business environments.<br>
Architected full-stack applications for corporate and nonprofit organizations, supporting process optimization, application delivery, and process efficiency.<br>
Designed and steered LAMP-based web applications, leading frontend development initiatives and search optimization efforts to improve user engagement.</p>