Available to hire
Hi, I’m Raef Abdul Nazir, a results-driven Software Engineer with a strong passion for fintech, Android development, and payment systems. I have hands-on experience working with C, Java, Kotlin, and various POS terminal devices, developing scalable and secure applications for major banks across the GCC.
I enjoy designing and testing cutting-edge POS solutions and mobile applications, focusing on delivering high-quality, bug-free software using agile methodologies. My expertise lies in integration, certification, and optimization within the payment industry, and I’m always eager to take on new challenges and grow my skills further.
Language
English
Advanced
Work Experience
Junior Software Engineer at OMA Emirates
October 1, 2023 - PresentDeveloped and deployed POS applications for major GCC banks including QNB, NBO, ADIB, RAKBANK, BMU, NI, FAB and MASHREQ, adapting to diverse transaction flows and terminal configurations. Integrated Jaywan, UAE’s national card scheme, and completed EMV certifications for Visa, Mastercard, Rupay, and AMEX using industry-standard tools (UL, ICCSim, FIME). Designed integration and unit test cases to reduce QA iterations by 40-50%, contributing to early bug detection and faster release cycles. Built fault-tolerant payment solutions supporting offline queuing, auto-sync, and 99.9% uptime across TCP/GPRS networks. Developed low-level application layers and EMV kernels in C, optimized memory and thread safety for Ingenico POS terminals, and built ISO8583 message parsers. Proficient in certification tools and conducted root-cause debugging and client-level support. Worked on Android-based POS terminals including attended and unattended devices.
Intern at OMA Emirates
October 1, 2023 - July 29, 2025Assisted in testing and debugging POS payment applications across multiple banking configurations. Contributed to performance tuning by analyzing transaction flows and optimizing EMV parameters. Gained hands-on experience in API integration and secure transaction handling. Created technical documentation for POS application flows, aiding faster handovers and team onboarding. Initiated self-learning in Android development by building a basic currency converter and starting an expense tracker app using Jetpack Compose.
Junior Software Engineer at OMA Emirates(UAE)
October 1, 2023 - PresentDeveloped and deployed POS applications for major GCC banks, adapting to diverse transaction flows and terminal configurations. Integrated UAE’s national card scheme Jaywan and completed EMV certifications for Visa, Mastercard, Rupay, and AMEX using industry-standard tools. Designed integration and unit test cases to reduce QA iterations by 40–50%, contributing to early bug detection and faster release cycles. Built fault-tolerant payment solutions supporting offline queuing, auto-sync, and 99.9% uptime across TCP/GPRS networks in low-connectivity zones. Developed low-level application layers and EMV kernels in C, optimizing for memory and thread safety on Ingenico POS terminals. Proficient in certification tools and performed root-cause debugging and client-level support for terminal issues. Developed and tested POS applications on Android-based and various Ingenico terminal devices.
Intern at OMA Emirates(UAE)
October 1, 2023 - July 29, 2025Assisted in testing and debugging POS payment applications across multiple banking configurations. Contributed to performance tuning by analyzing transaction flows and optimizing EMV parameters. Gained hands-on experience in API integration and secure transaction handling. Created technical documentation to aid faster handovers and team onboarding. Initiated self-learning in Android development by building a currency converter app and starting an expense tracker app using Jetpack Compose.
Junior Software Engineer at OMA Emirates
October 1, 2023 - PresentDeveloped and deployed POS applications for major GCC banks such as QNB, NBO, ADIB, RAKBANK, BMU, NI, FAB, and MASHREQ. Integrated national and international card schemes including Jaywan, Visa, Mastercard, Rupay, and AMEX. Led POS testing and QA optimization efforts, reducing QA cycles by 40–50%. Built distributed, fault-tolerant POS systems supporting offline queuing and auto-sync to ensure 99.9% uptime across TCP/GPRS networks. Worked on embedded systems and ISO 8583 message parsers, optimizing memory and thread safety in C for Ingenico POS terminals. Utilized certification and debugging tools like ICCSim, UL Test Tools, and FIME to ensure EMV/Magstripe/contactless compliance and provided client-level issue support. Experienced in Android-based terminals and Ingenico terminal models including Tetra, Telium, iSelf, and Self series.
Intern at OMA Emirates
October 31, 2023 - August 1, 2025Assisted in testing and debugging POS payment applications across multiple banking configurations. Contributed to transaction flow analysis and EMV parameter optimization. Gained hands-on experience in API integration and secure transaction handling within payment systems. Created technical documentation for POS application flows to facilitate faster handovers and team onboarding. Initiated self-learning in Android development by building a basic currency converter and starting a personal expense tracker app using Jetpack Compose.
Education
Bachelor of Technology at Mar Baselios College Of Engineering And Technology
August 1, 2019 - July 31, 2023Bachelor of Technology at Mar Baselios College Of Engineering And Technology
August 1, 2019 - July 31, 2023Bachelor of Technology at Mar Baselios College Of Engineering And Technology
August 1, 2019 - July 31, 2023Qualifications
Industry Experience
Financial Services, Software & Internet, Computers & Electronics
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