12+ years turning enterprise chaos into shipped systems — insurance platforms, government portals, and financial ERPs across Pakistan, Oman, and beyond.
about.tsx
I have over 12 years of Information Technology experience in leading roles across process digitization, system integration, and migration of enterprise and customized solutions — built to SDLC and CMMI Level 5 standards. My deepest domain knowledge sits in personal and commercial lines insurance, asset leasing and financing, and third-party logistics systems, where I've taken products from requirements gathering through to production, financial reconciliation, and BOD-level reporting.
expertise.ts
Personal & Commercial Line Insurance
End-to-end policy lifecycle — issuance, claim lodging, self-surveys, endorsements, renewals, coinsurance, reinsurance and the dealer's portal.
Finance — AR / AP
Accounts receivable & payable automation, outstanding receivable premium tracking, and daily / monthly / fiscal financial reconciliation jobs.
Commission Adjustment
Automated claims, commission, salvage, premium & endorsement vouchers, plus a commission adjustment tool built around outstanding receivable premium.
Asset Leasing & Financing
Full lending lifecycle on NFS — contract activation to maturity, modification, early termination, litigation, re-marketing and closing.
Digitization in Distributed Environments
Process digitization & reengineering across government touchpoints — inter-department portals and PAN-Oman system integration under the CIA triad.
Techno-Functional ERP Consulting
Sage Intacct Cloud Financial ERP under AICPA standards — bridging financial process design with the engineering that implements it.
experience.log
Deployed by Software Systems LLC to a government engagement in the Middle East. Now serving as Solution Architect, leading backend integration across multiple government departments. Earlier in the engagement, delivered and maintained .NET applications integrated across public-sector touchpoints. Specific client and system details are withheld under NDA.
Managed the Software Development & Innovation team behind TPL's Commercial and Personal Line Insurance System — policy issuance, claim lodging, self-surveys, endorsements, renewals, coinsurance, reinsurance, the dealer's portal, and financial integration & reporting. Set technical direction and interfaced with stakeholders on future-state architecture.
Managed development and maintenance of inter-department communication portals, public-facing systems, and core system applications — from requirements gathering through large-scale module delivery and infrastructure progress monitoring.
Built and led delivery of the Commercial & Personal Line Insurance System end-to-end. Migrated the financial legacy system to a cloud ERP, automated claims/commission/salvage vouchers, and built the commission adjustment engine on outstanding receivable premium. Integrated a distributed payment stack — CyberSource, HBL, JazzCash, ForeePay, Meezan Bank's EMI plan, Easypaisa, Simsim & Etisalat — implemented KYC/FACTA/SECP compliance, and shipped an Android NFC inventory app plus Infobip–WhatsApp integration.
Worked on NFS (NetSol Financial Suite), a leasing & financing platform used by Mercedes-Benz, BMW, Toyota, Honda, Hyundai and other global institutions — covering the full lending lifecycle from contract activation to maturity, early termination, litigation, and closing. Delivered the security deposit module with zero UAT errors and implemented SharePoint-based document management.
Analysis, design and development of database layers, code audits, and requirement implementation using Agile development — working on a 3PL (third-party logistics) system for an offshore client in the US.
skills.json
"languages":
projects.repo
Migrated TPL Insurance's financial legacy system to Sage Intacct Cloud ERP, then built the recurring financial reconciliation jobs — daily, monthly, and fiscal closing — that keep it in sync with the core insurance platform.
Automated claims, commission, salvage, premium and endorsement vouchers, then built a dedicated commission adjustment tool driven off outstanding receivable premium — removing a chunk of manual finance work from every policy cycle.
Integrated a distributed stack of payment providers into TPL's policy platform — CyberSource, HBL, JazzCash, ForeePay, Meezan Bank's EMI plan, Easypaisa, Simsim and Etisalat — so premiums could be collected through whichever channel the customer already trusted.
Native Android app that reads NFC tags to track inventory in real time, built end-to-end from layout to signed APK.
Contributed to NetSol's Financial Suite (NFS) — an end-to-end retail and wholesale leasing platform used by Mercedes-Benz, BMW, Toyota, VOlvo and Hyundai, covering the full financing lifecycle from contract activation to closing.
Built an aggregator portal bringing dealers, agencies and third-party sales channels onto one platform — combining policy issuance, quoting and reporting tools to raise service levels across every connected channel.
Automated data-extraction tool that pulls structured data from external websites on a schedule, replacing manual copy-paste with a reliable feed into internal systems and reports.
Built the Travel Insurance product line within TPL's policy platform — quoting, issuance and claims handling tailored to travel policies, alongside the existing dealer's portal.
Windows Services running on a schedule to handle day-to-day financial processing and reporting — keeping downstream reports and reconciliations current without manual triggering.
UiPath bots that run the daily, monthly and fiscal financial reconciliation jobs between the policy platform and Sage Intacct — cutting down manual reconciliation effort and errors during period close.
Leading backend integration across multiple government departments as Solution Architect on a confidential Middle East government engagement, deployed via Software Systems LLC. Specific systems and client identity withheld under NDA.
* Muhammad Zakariya Fayyaz
* Software Engineer · .NET Consultant · Digital Transformation
* @standards SDLC, CMMI Level 5
*/