Kareem Ghazal

Kareem Ghazal

Technology Leader & Builder

20+ years building products, leading teams, and delivering outcomes across fintech, financial services, and telecoms. Currently building BTCBitByBit.

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Profile

Technology leader with 20+ years of experience spanning software engineering, architecture, product management, and programme delivery across financial services, fintech, and telecoms. Proven track record of delivering multi-million pound outcomes at JP Morgan Chase, Tesco Mobile, Virgin Media O2, and Dun & Bradstreet. Currently architecting and building a full-stack fintech platform at KayGee.Tech.

English & Arabic (Bilingual) London, UK
MSc Advanced Computer Science
University of Manchester
2003
BSc Computer Engineering
UC San Diego
Cum Laude Honours · GPA 3.65/4.0 · 2002
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
0
SDLC time reduction
KayGee.Tech

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, and Android app (React Native)
  • 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
  • Enhanced SDLC processes, reducing development time by 30%
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
2012 — 2018
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
2004 — 2010
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
2004
Cimteq Ltd
Java Developer
  • Software development using Java

Skills & Expertise

Languages & Frameworks

Python Java JavaScript TypeScript SQL React Node.js Django

Cloud & Infrastructure

AWS GCP Azure Docker Kubernetes Terraform PostgreSQL Redis

Delivery & Methodology

Agile / Scrum Prince2 JIRA Git REST APIs Microservices Salesforce CI/CD

The Founder's Toolkit

Skills picked up when you build something from scratch

Frontend Development (Next.js) Mobile Apps (React Native) IP & Copyright Protection Brand Building Social Media Strategy Content Creation Video Editing (CapCut) Graphic Design (Canva) Community Management
Fintech Financial Services Telecoms Regulatory Banking

Current Work

Active Project

BTCBitByBit

Family-Oriented Bitcoin Education Platform

A full-stack fintech platform helping individuals and families learn about Bitcoin, stack satoshis, and lower their time preference. Features include educational content, family wallet management, Learn & Earn rewards, and self-custody Lightning wallets.

Built end-to-end across 3 channels (responsive web, iOS, Android), from product vision and IP protection (UK copyrights secured) through enterprise-grade AWS infrastructure (multi-account, multi-AZ, 13 Terraform modules) to brand-building across social channels.

Role: Architect, Lead Developer, Product Manager & Brand

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

Work With Me

Building BTCBitByBit full-time, but open to select consulting and contract opportunities where I can bring a founder's perspective to your technology challenges. Two decades of building, shipping, and leading — available for your next project.

🏗️

Technology Strategy

🧩

Architecture

🚀

Programme 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