Kareem Ghazal

Kareem Ghazal

I build software and deliver programmes. End to end.

20+ years across fintech, payments and financial services — VP at JP Morgan, CTO of a regulated fintech, PRINCE2 project / programme manager. I build and ship production software end to end, and lead complex project, programme and change delivery. Most recently I designed and shipped BTCBitByBit single-handedly across web, iOS and Android.

See the work Get in touch

Profile

I'm a senior software engineer and PRINCE2 project / delivery manager with 20+ years across fintech, payments, capital markets and regulated financial services — JP Morgan Chase, Dun & Bradstreet, Virgin Media O2 and Tesco Mobile — delivering multi-million-pound outcomes, regulated products, complex programmes and teams I led. I move fluently between building software end to end and leading project, programme and change delivery — with governance, stakeholders and vendors. Most recently I built and shipped BTCBitByBit end to end on my own across web, iOS and Android — designed, built, tested (Jest + Playwright) and operated solo, shipped daily. I'd rather show you than tell you: the work is at btcbitbybit.com.

English & Arabic (Bilingual) London, UK
MSc Advanced Computer Science
University of Manchester
BSc Computer Engineering
UC San Diego
Cum Laude Honours · GPA 3.65/4.0
Prince2 Practitioner ISEB Diploma in Business Systems Development ISEB Software Testing Foundation

Impact in Numbers

0
Annual savings delivered
JP Morgan Chase
0
First-year revenue generated
Tesco Mobile
0
Additional revenue captured
Tesco Mobile
0
Customers served
MyAhmed
0
Global team members led
MyAhmed
0
European markets migrated
Dun & Bradstreet

Experience

2023 — Present
KayGee.Tech Ltd
Architect, Lead Developer & Product Manager
  • Built btcbitbybit.com end-to-end across 3 channels: responsive web (Next.js), iOS app (Swift), and Android app (Kotlin)
  • Designed and built multi-account AWS infrastructure with multi-AZ HA, WAF, auto-scaling, and CI/CD via GitHub Actions OIDC
  • Secured UK copyrights for BTCBitByBit and Bitcoin Bit By Bit
2023
Dun & Bradstreet
Senior Programme Manager
  • Led AWS to GCP cloud migration programme across 10+ European markets
  • Defined future-state architecture vision and phased migration approach
2022 — 2023
Virgin Media O2
Senior Programme Manager
  • Led B2B data migration for the VMO2 merger across Salesforce, Eloqua, and Netcracker
  • Unified multi-system customer data onto a single platform, minimising business impact
2019 — 2022
MyAhmed Ltd
Co-Founder & CTO
  • Built and launched a mobile fintech platform serving 7,000+ customers
  • Led a 25+ person global remote team across 12 disciplines
  • Secured FCA Sandbox participation and AISP licence
2017 — 2019
Tesco Mobile
Programme Manager / Senior PM Digital
  • Launched Tesco Mobile for Small Business — £5M first-year revenue
  • Improved NPS from 5.9 to 7.2 and generated £1.1M additional revenue
JP Morgan Chase
Project Manager VP — Banking Regulatory Technology
  • Spearheaded global Sanctions Screening platform — £2M+ annual savings
  • Directed international expansion (Norway, Saudi Arabia)
  • Managed cross-functional stakeholders across Front Office, Risk, Payments, Trading, and Finance
Royal Bank of Scotland Group
Software Developer → Technology Project Manager
  • Progressed from graduate developer to project manager leading cross-platform projects
  • Rolled out global HR Payroll platform across the entire RBS group
Cimteq Ltd
Java Developer
  • Software development using Java

Skills & Expertise

Languages & Frameworks

Python Java Kotlin JavaScript TypeScript SQL React Node.js Django

Cloud & Infrastructure

AWS GCP Azure Docker Kubernetes Terraform PostgreSQL Redis

Engineering Practices

Agile / Scrum JIRA Git REST APIs Microservices CI/CD TDD / Testing

Project & Delivery Management

PRINCE2 Change Management Programme & Project Delivery Governance & PMO Stakeholder Management Risk & RAID MS Project Vendor Management

The Builder's Toolkit

Engineering is the core — but taking a product to market solo meant wearing every other hat too

Frontend Development (Next.js) iOS Development (Swift) Android Development (Kotlin) IP & Copyright Protection Brand Building Social Media Strategy Content Creation Video Editing (CapCut) Graphic Design (Canva) Community Management
Fintech Payments Capital Markets Financial Services Banking Regulatory Telecoms

Current Work

Active Project

BTCBitByBit

Consumer fintech platform · self-custody wallet · web, iOS & Android

A consumer fintech product (Bitcoin education + self-custody) — and a real engineering build. At its core: a multi-protocol self-custody wallet (Lightning BOLT11 + BOLT12, Liquid, on-chain) on the Breez SDK, plus an on-device web wallet running the SDK in the browser via WebAssembly, so users hold their own keys straight from a tab.

Shipped end-to-end across web (Next.js / React / TypeScript), native iOS and native Android, on AWS / Terraform — designed, built, tested (Jest + Playwright) and operated solo, deployed to production daily.

Role: Architect, Lead Engineer & Product — solo, end to end

Python Django Next.js Swift / Kotlin AWS Terraform PostgreSQL Redis Lightning Network GitHub Actions CI/CD WAF ECS Fargate
Visit BTCBitByBit KayGee.Tech

Work With Me

Two decades of building, shipping and leading — most recently an entire product on my own, end to end. I'm open to senior engineering and project / delivery management roles, contract or permanent, where I can be hands-on and help a team ship. Based in London, open to remote and to relocation.

🛠️

Hands-on Engineering

🧩

Architecture

🚀

End-to-End Delivery

👥

Technical Leadership

Let's Talk

Get in Touch

Interested in working together or have a project in mind?

I'd love to hear from you.

Kareem Ghazal

London, United Kingdom

kareem@kaygee.tech