Malik Atique

Malik Atique

Managing Director · Software Architect · FinTech & Payments Leader
Islamabad, PK.

ABOUT

FinTech leader and hands-on Software Architect with 6+ years of experience building, scaling, and operating secure payment platforms across the MENA region. Proven track record of leading 30+ person engineering teams, achieving PCI DSS Level‑1 compliance, and delivering microservices-based financial systems used by tens of thousands of users. Combines executive ownership, technical depth, and project management discipline to drive products from zero to scale.

CORE COMPETENCIES

Leadership & Management

Managing Director, Team Leadership (30+), Stakeholder Management, Delivery Ownership.

FinTech & Payments

PCI DSS Level‑1, Card Issuing & Acquiring, Wallets, AML, KYC, ISO 8583.

Execution & Process

Agile/SCRUM, CI/CD, QA Automation, Documentation, Operations Management.

Technology

Java, JavaScript / TypeScript, Node.js, PHP, Spring Boot, Apache Kafka, Kubernetes, PHP / Laravel, Playwright.

Architecture & Engineering

Microservices Architecture, System Design, High‑Availability Systems.

PROFESSIONAL EXPERIENCE

VaultsPay - MD
|

Managing Director & Lead Software Architect

Islamabad, Pakistan

Summary

Lead end‑to‑end operations and technology strategy for a regulated FinTech operating across the UAE and Pakistan. Manage and mentor a cross‑functional team of ~30 engineers, product, and operations staff. Architected and scaled Spring Boot + Kafka microservices, improving platform uptime from 84% to 96%. Led company‑wide PCI DSS Level‑1 certification, establishing secure payment and card‑processing systems. Oversaw delivery of payment products serving 20K+ customers across the MENA region. Introduced CI/CD pipelines and automation‑first QA, reducing deployment cycles and production defects. Drive Agile execution: sprint planning, backlog grooming, retrospectives, and delivery tracking.

VaultsPay - SE
|

Software Engineer

Dubai, United Arab Emirates

Summary

Played a key role in launching VaultsPay in the UAE market from early‑stage operations. Contributed to PCI DSS compliance, merchant onboarding, and initial payment platform rollout. Built and enhanced backend services for merchant payments and financial operations.

VaultsPay - FL
|

Software Engineer

Islamabad, Pakistan

Freelance

Summary

Joined as an early contributor, helping build the foundational FinTech platform from scratch. Transitioned from freelance to full‑time as the company scaled operations.

SELECTED PROJECTS & IMPACT

VaultsPay FinTech (SaaS) — Software Architect
VaultsPay FinTech (SaaS) — Software Architect

Summary

Designed and delivered a Payment Card Services (PCS) SaaS platform. Led system architecture, Spring Boot microservices design, integrations, and documentation.

VaultsPay Acquiring Platform — Software Engineer / Architect

Summary

Built merchant payment services initially on Laravel, later migrated to Spring Boot microservices. Positioned VaultsPay as a Tier‑1 PCI‑DSS compliant provider in the MENA region.

Burency — Cryptocurrency Exchange

Summary

Developed Node.js microservices for real‑time crypto trading. Optimised market data streaming using Redis caching, reducing latency by 60%.

Chrome Advisory — Venture Capital Platform

Summary

Built the banking engine for investment subscriptions and periodic financial calculations.

Aikito — Financial Statement OCR

Freelance

Summary

Designed OCR pipelines using AWS Textract to standardise financial statements. Enabled BI‑driven lending decisions through structured data extraction.

CERTIFICATIONS

Google Project Management: Professional Certificate

Issued By

Google

Yale: The Science of Well-Being Certificate

Issued By

Yale

EDUCATION

University Institute of Information and Technology, Islamabad, PK

BS

Computer Science

Grade: 3.49

Bahria University Islamabad, PK

MS

Project Management

Grade: 3.9

INTERESTS

Social Sciences
Quantum Physics
Creative Writing
Consciousness & Cognitive Science
World History
Metaphysics & Philosophy of Mind

AWARDS

1st Position -- Case Study Fest 2025 at Bahria

Awarded By

Bahria University

2nd Position -- Essay Writing Competition

Awarded By

Government High School Kallar Kahar

LANGUAGES

Punjabi

Native

English

Fluent

Urdu

Native