Ghulam Mustafa — Senior Full-Stack Engineer
5+ years shipping web and mobile products for local and international clients

Full-Stack & Mobile Engineer who ships AI-powered SaaS products at scale.

5+ years of production work across fintech, B2B commerce, and enterprise mobile — from 100K-user React Native apps to LLM-integrated investor platforms. Strongest in React Native and frontend, with solid Node.js backend experience.

Open to Work · Full-Time & Contract

0 rollbacks

6+ consecutive sprints — Lumida Wealth

100K+

Active users — Udhaar Book

40%

App startup speed — Udhaar Book

50%

API latency cut — Dastgyr

Key Achievements & Production Metrics

Zero rollbacks

Delivered optimised investor features on a fast monthly sprint cadence — zero production rollbacks across 6+ consecutive releases on a live high-net-worth investor platform.

Lumida Wealth

100K+ users impacted

Built and maintained critical ledger, payment, and credit features used daily by 100K+ SMB users — while cutting app startup by 40% through Hermes tuning, FlatList virtualisation, and strategic memoisation.

Udhaar Book

30% more engagement

Grew user engagement on Unilever's nationwide B2B retail app through targeted UX redesigns and onboarding flow optimisation.

Unilever 'Roll'

End-to-end delivery

Acted as a critical individual contributor on Roll — owning full sprint cycles end-to-end and consistently shipping fast, impactful features that kept the platform responsive to distributor demands.

Unilever 'Roll'

50% faster APIs

Contributed to backend optimisations that halved API response times and enabled the platform to handle 3× the order volume with no additional infrastructure.

Dastgyr

5% → 2% crash rate

Halved mobile crash rate across three React Native apps through Crashlytics monitoring, structured error handling, and native module fixes.

Dastgyr

Work

Production case studies

Eight projects across fintech, B2B commerce, enterprise mobile, AI SaaS, EdTech, and Web3 — each with real metrics from live systems.

Lumida Wealth Investor Platform

AI + Fintech SaaS
View Live
Problem

High-net-worth investors needed reliable portfolio visibility, secure access, and faster decision support across web and mobile.

Solution

Shipped OAuth2-secured investor workflows, real-time portfolio sync, and LLM-powered insight experiences using OpenAI API across iOS, Android, and web.

Result

Zero production rollbacks across 6+ consecutive sprints with a consistent monthly release cadence. Reduced UI bug reports by 35% through WCAG 2.1 enforcement.

0 rollbacks in 6+ sprints35% fewer UI bugsMonthly release cadence
ReactReact NativeNode.jsPostgreSQLOpenAI APIOAuth2

Udhaar Book Ledger & Payment Flows

B2B Mobile Product
View Live
Problem

SMB users faced slow app startup and unstable sessions while handling daily credit and payment operations on low-bandwidth networks.

Solution

Built offline-first sync with Firebase Realtime Database and optimised the React Native runtime via FlatList virtualisation, Hermes engine tuning, and strategic memoisation — profiled with Flipper.

Result

Delivered a 40% faster startup, 25% drop-off reduction, and consistent monthly releases for 3 years across 100K+ active users.

100K+ active users40% faster load times25% drop-off reductionsub-200ms UI response
React NativeFirebaseHermesFlipperNode.js

Unilever 'Roll' Retail Platform

Enterprise Mobile
View Live
Problem

Distributor ordering operations needed reliability and better UX to drive retailer engagement across Pakistan.

Solution

Maintained and scaled the app with targeted UX redesigns, onboarding optimisations, and Sentry-based proactive error monitoring with structured incident response.

Result

30% engagement growth and 99% uptime across thousands of daily B2B distributor transactions nationwide.

30% engagement growth99% uptimeThousands of daily transactions
React NativeSentryMobile Performance Tuning

Dastgyr Multi-App Commerce Engine

Operational Commerce Infrastructure
View Live
Problem

High-order-volume operations needed faster APIs and stable app performance across retailer, picker, and driver experiences.

Solution

Built the picker app from scratch as sole developer. Contributed to driver and retailer app features alongside the engineering team. Collaborated on Node.js/PostgreSQL service optimisations and owned Crashlytics crash monitoring across all three apps.

Result

Cut API latency 50%, scaled 3× traffic with zero infrastructure changes, and reduced crash rate from 5% to 2% — all while processing 10K+ daily orders.

10K+ daily orders50% faster API response3× traffic scaledCrash rate 5%→2%sub-200ms UI
Node.jsPostgreSQLReact NativeCrashlyticsAWS

AI Visa Advisor

AI · Immigration Tech
View Live
Problem

Visa applicants rely on overly optimistic eligibility checkers that ignore real refusal rates — leading to wasted fees, failed applications, and false confidence going into the process.

Solution

Built an AI-powered scoring engine that cross-references 17 official government sources across 10 immigration regions. A structured questionnaire captures nationality, education, finances, and language scores; the model returns ranked pathway scores (0–100) with document checklists, timeline estimates, and actionable improvement recommendations.

Result

Transparent, calibrated assessments grounded in real refusal data. Each result shows exact point attribution (e.g. "Master's degree: +12 pts") so applicants know precisely what to improve before committing to a costly application.

10 immigration regions17 government sources cited0–100 pathway scoringDocument checklist per pathway
Next.jsOpenAI APITypeScriptVercel

Proposalio — AI Proposal Generator

AI · Freelance SaaS
View Live
Problem

On platforms like Upwork, articulate non-experts routinely beat more qualified freelancers — "better talkers beat better doers." Writing a targeted, personalised proposal for every job is time-consuming and inconsistent.

Solution

Built a full-stack SaaS with real-time streaming AI that generates job-targeted proposals in under 90 seconds. The system trains on the user's past proposals for voice matching, analyses job posts to lead with the most relevant experience, and ships with a proposal pipeline tracker, integrated job feed, and freemium monetisation.

Result

A complete freelance productivity tool in production — with Pro tier ($19/month), A/B proposal testing, live streaming output, and style-matched personalisation that sounds like the user, not a template.

Sub-90s proposal generationReal-time streaming outputFreemium + $19/mo Pro tierVoice-matched personalisation
Next.jsOpenAI APITypeScriptStreamingVercel

Satolearn — Bitcoin Education Platform

EdTech · Web3 · Blockchain
View Live
Problem

Blockchain engineers are in critical global shortage, yet most learning resources are passive and theory-heavy — disconnected from real development environments and impossible to act on without external tooling.

Solution

Contributed to the React frontend of an interactive Bitcoin/blockchain learning platform — working alongside the Vaionex engineering team to build and maintain course interfaces, mentor booking flows, and the in-browser coding environment.

Result

Platform grew into the leading Bitcoin education resource — integrated into the University of Exeter's official curriculum for 2+ consecutive years, showcased at BSV Global Blockchain Convention, and backed by Vaionex Corporation with a global developer community.

University of Exeter curriculum partnerShowcased at BSV Global Blockchain ConventionIn-browser blockchain coding IDEFreemium + mentor marketplace
ReactNode.jsBitcoin SVBlockchain SDKGoogle Analytics

Saddar — B2B Wholesale Marketplace

B2B E-Commerce · Marketplace
View Live
Problem

Pakistan's retail supply chain was fragmented across opaque wholesale channels — retailers had no reliable way to verify supplier authenticity, compare prices transparently, or place bulk orders without physically visiting wholesale markets.

Solution

Built the Next.js storefront for Pakistan's largest B2B wholesale marketplace, connecting verified suppliers with retailers across 8+ product categories. Delivered wholesale pricing (up to 30% below retail), flexible MOQs, and a Sentry-monitored checkout experience with 3-day delivery across major cities.

Result

A high-traffic B2B marketplace serving retail shop owners across Karachi, Lahore, and Islamabad — thousands of SKUs, a verified supplier network, and a performant Next.js frontend handling daily wholesale ordering volume at scale.

8+ product categoriesUp to 30% below retail pricing3-day nationwide delivery SLASentry-monitored reliability
Next.jsReactTypeScriptSentrySEO Optimisation

Services

What I build for clients

Available for freelance engagements, contract work, and product collaborations — fixed-scope or ongoing.

SaaS & Web Apps

Full-stack web products — dashboards, multi-tenant SaaS, and landing pages built to ship fast and scale further.

ReactNext.jsNode.jsPostgreSQLTypeScript

Mobile Apps

Cross-platform iOS & Android apps in React Native. Production-grade UX, offline support, and App Store delivery.

React NativeExpoFirebaseiOSAndroid

AI Feature Integration

Add LLM-powered capabilities to your product — chat interfaces, document summarisation, data extraction, and AI workflows.

OpenAI APIGPT-4Node.jsStreamingPrompt Engineering

API & Backend

REST APIs, third-party integrations, database design, and backend architecture for web and mobile products.

Node.jsTypeScriptPostgreSQLFirebaseREST

Skills

Languages, frameworks, and tools used in production

Production-tested stack across 6 years of real product builds — expanded to match the depth used in each engagement.

Frontend

React.jsNext.jsTypeScriptJavaScript ES6+HTML5CSS3TailwindCSSReduxMaterial UI

Mobile

React Native (iOS & Android)ExpoReact NavigationNative ModulesOffline-First ArchitectureHermesFlipper

Backend + Databases

Node.jsExpress.jsKoa.jsGraphQLRESTful APIsWebSocketsJWTOAuth2PostgreSQLMongoDBFirebase (Realtime DB & Firestore)

AI + SaaS

OpenAI APILLM IntegrationAI Feature DevelopmentReal-time PipelinesSaaS ArchitecturePrompt Engineering

Cloud + Practices + Tools

AWS (EC2, S3)DockerCI/CDGitHub ActionsVercelSystem DesignAgile/ScrumWCAG 2.1 AccessibilitySentryCrashlyticsJiraFigmaSwagger

Experience

Professional work history

6 roles across fintech, B2B mobile, enterprise, and contract engagements — from 2019 to present.

Senior Software Engineer

Lumida Wealth · Remote · Full-time

Aug 2025 – Present

AI-powered wealth management SaaS · High-net-worth US investor platform

  • Shipped investor-facing features — portfolio tracking, real-time data sync, and OAuth2 authentication — across iOS, Android, and web, collaborating cross-functionally to maintain zero production rollbacks across 6+ consecutive sprints.
  • Integrated LLM-powered insights and AI-driven data visualisations using OpenAI API, accelerating investor decision workflows and increasing feature adoption.
  • Contributed to a consistent monthly release cadence through disciplined CI/CD, cross-functional QA, and proactive issue resolution.
  • Improved UI/UX consistency and responsiveness across devices, reducing UI bug reports by 35% through WCAG 2.1 accessibility enforcement.

Software Engineer

Udhaar Book · Full-time

Jun 2022 – Jul 2025

Pakistan's #1 digital ledger & B2B payments app · 100K+ active SMB users

  • Owned end-to-end delivery of core ledger, credit management, and digital payment flows serving 100K+ SMBs — directly impacting company revenue and user retention.
  • Cut app load times by 40% through React Native lazy loading, FlatList virtualisation, Hermes engine tuning, and strategic memoisation — measured via Flipper profiling.
  • Contributed to a full refactor of the app's data layer to WatermelonDB, migrating core ledger and credit flows to improve offline reliability and reduce session drop-off by 25% for users on low-bandwidth mobile networks.
  • Drove a consistent monthly release cadence across iOS and Android for 3 years, improving customer retention quarter-over-quarter.

Mobile App Developer

Unilever Pakistan · Contract

Aug 2022 – Dec 2024

Enterprise B2B retail platform 'Roll' · Pakistan-wide distributor network

  • Maintained and scaled Roll, Unilever's mission-critical retail ordering app processing thousands of B2B transactions daily across Pakistan's distributor network.
  • Increased user engagement by 30% through targeted UX redesigns, onboarding flow optimisation, and performance-focused feature rollouts.
  • Sustained 99% app uptime via Sentry-based error monitoring, proactive error boundary implementation, and a structured incident response process.

Full-Stack Engineer

Dastgyr · Contract

Jun 2021 – May 2022

B2B e-commerce marketplace · 10K+ daily orders · Retailer, picker & driver apps

  • Built the picker app from scratch as sole developer; contributed to retailer and driver app features alongside the engineering team — collectively processing 10K+ daily orders with sub-200ms UI response times.
  • Collaborated on optimising Node.js and PostgreSQL backend services, contributing to a 50% reduction in API response times and enabling 3× traffic growth without infrastructure changes.
  • Reduced mobile crash rate from 5% to 2% by integrating Crashlytics, implementing structured error handling, and resolving critical native module issues.

MERN Stack Developer

Inaequo Solutions · Full-time

Jun 2021 – May 2022

International client-facing product delivery

  • Delivered React Native and Node.js solutions across multiple international client engagements, building interactive UIs that drove a 25% increase in user engagement.
  • Operated in Agile sprints with cross-functional, globally distributed teams — improving code reusability and consistently meeting delivery milestones.

Software Engineer

Quanrio · Full-time

Nov 2019 – Aug 2020

Consumer web and mobile product development

  • Built and deployed React and React Native applications used by thousands of users; improved backend data processing efficiency by 40% via Koa.js and PostgreSQL API redesign.
  • Introduced Swagger API documentation and sprint tracking workflows, significantly reducing cross-team integration overhead.

Education

Academic foundation

Computer science degree with a strong focus on software engineering fundamentals.

DHA Suffa University

B.S. Computer Science

2015 – 2020

Bahria College Karsaz

Pre-Engineering (HSC)

2013 – 2015

Client Testimonials

What clients say after working together

Feedback highlights delivery reliability, responsiveness, and quality under real project constraints.

Very responsive to communication. Delivery was well within expectations. He made prudent suggestions that improved the app. Quality was excellent.

sheppardta — US Client

After a pleasant previous experience I returned with more work. Delivery was quick and quality was good. Recommend.

harrycollin — UK Client

AI Direction

Current direction: AI-integrated product engineering

AI features already in production at Lumida Wealth, plus ongoing investment in patterns for building reliable AI-native SaaS systems.

shipping

AI Features in Production

Shipping LLM-assisted investor experiences at Lumida Wealth — GPT-4 powered insights that convert raw portfolio data into actionable summaries for high-net-worth clients.

active

AI-Native SaaS Architecture

Building repeatable patterns for prompt orchestration, response quality controls, and observability in production SaaS products — moving beyond demos to reliable AI systems.

building

Experimental AI Products

Rapidly validating AI-assisted workflows for finance and operations use-cases to discover scalable product wedges with real user traction.

Contact

Building an AI feature, SaaS product, or high-impact mobile platform? Let's ship it.

Available for remote senior roles and freelance product builds. I work best where performance, reliability, and product outcomes are non-negotiable.