Tokyo · FinTech · IoT · Mobility

Osama Azmat Khan

Senior iOS Engineer

Architecting high-performance iOS apps across FinTech, IoT, and Mobility. 7+ years shipping Swift, SwiftUI, and Combine systems that scale — from Apple Pay flows to company-wide accessibility standards.

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Years building mobile

FinTech · IoT · Mobility

Domains shipped

SwiftUI · Architecture · A11y

Focus

Expertise

Built for teams that need senior mobile ownership

Modern iOS architecture

SwiftUI migrations, Combine adoption, SPM modularization, and Clean / MVVM-C patterns that reduce debt without stalling delivery.

Product & growth impact

Apple Pay, VisionKit onboarding, deep linking, and payment reliability work that moves GMV — not just tickets.

Inclusive & reliable apps

VoiceOver standards, memory profiling, flaky-test remediation, and CI/CD stability under release pressure.

SwiftUIUIKitCombineRxSwiftCore DataCore BluetoothVisionKitCore LocationMVVM-CVIPERClean ArchitectureMVVM

Portfolio

Products I have built & scaled

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FinTech2022 – Present

PayPay

Japan’s largest mobile payment platform

Architectural leadership for a payments app used by tens of millions — modernization, payment growth features, and company-wide accessibility standards.

SwiftUICombineSPMApple Pay

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FinTech2021 – 2022

Telenor Microfinance Bank

Vertical integrations & acquisitions platform

Led an app squad shipping MiniApp emulation, digital onboarding, support tooling, and biometric auth for a high-scale financial platform.

SwiftBiometricsMiniAppsOnboarding

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IoT2020 – 2021

Cielo Home

IoT smart-home control

Full redevelopment of an IoT iOS app with BLE device support, TLS socket security, and major UX / performance hardening.

MVVM-CCore BluetoothTLSUIKit

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Mobility2019 – 2020

EzBike / Roamer

Mobility & fleet operations

End-to-end ownership of a mobility iOS app — real-time driver sockets, acquisition deep links, and product analytics.

SwiftNode.jsSocketsDeep Linking

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Experience

Career highlights

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Dec 2022 – Present

Current

Senior Software Engineer (iOS)

PayPay Corporation · Tokyo, Japan

Leading architectural modernization and high-impact product features for Japan’s largest mobile payment ecosystem.

Led Notification Center modularization into a dedicated Swift Package using SwiftUI and @MainActor ViewModels, improving build times and maintainability.
Drove organization-wide RxSwift → Combine migration, aligning the codebase with modern Apple standards.
Implemented Apple Pay native binding and VisionKit credit card recognition to expand payment options and streamline onboarding.
Improved GMV with automatic user-limit handling that reduced payment failures and boosted transaction success.
Spearheaded company-wide VoiceOver accessibility guidelines adopted by both iOS and Android teams.

May 2021 – Dec 2022

Executive Manager, Senior Software Engineer (iOS)

Telenor Microfinance Bank · Pakistan

Led the Vertical Integrations & Acquisitions App Squad, shipping platform-scale features for growth and reliability.

Built MiniApp Emulator for streamlined third-party service integration.
Shipped Digital Onboarding, Customer Support, and Email Security modules.
Implemented Face ID / Touch ID biometric authentication for frictionless secure access.

May 2020 – Apr 2021

iOS Developer

Cielo WiGle Inc. · Pakistan

Redeveloped the Cielo Home iOS app for a scalable IoT smart-home ecosystem.

Rebuilt the full app with MVVM-C, emphasizing modularity and reusability.
Added full BLE support for a new smart-home device.
Fixed 20+ UI/UX issues and critical memory leaks via profiling.

Writing

From the blog

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May 7, 2026

Why Human Oversight Remains Essential in AI: Lessons from Real World Failures in Tech, Healthcare, and Autonomous Vehicles

Companies are chasing AI’s speed by dialing back human oversight. Real failures in tech, healthcare, and autonomous vehicles show why judgment, guardrails, and people in the loop still matter.

May 5, 2026

Rethinking Availability: Cloud Architecture Under Geopolitical Stress

Geopolitical disruption exposed a gap in how fintechs think about cloud availability. Regional redundancy fails when entire geographies share external risk — and mobile clients need to plan for it.

On X

Latest thoughts

Engineering notes, iOS craft, and product thinking from @OsamaaDev.

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Osama Azmat Khan

@OsamaaDev · May 19, 2026

Thats why you always double check if you’re on your staging env before sending in a test notification.

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Osama Azmat Khan

@OsamaaDev · May 8, 2026

“Implement USDC support on AWS… make no mistakes”

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Osama Azmat Khan

@OsamaaDev · May 8, 2026

Companies push hard for AI speed, reduce human oversight to 'optimize', and then something breaks badly in production. Not because the AI isn't good enough. Its because humans slowly stop questioning it.

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Osama Azmat Khan

@OsamaaDev · May 8, 2026

AI is an incredible tool. But judgment, accountability, and knowing when something feels off still comes from humans. Spent some time going through a bunch of recent incidents, failures, and studies that all point to the same underlying pattern.

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Osama Azmat Khan

@OsamaaDev · May 8, 2026

You can read more about the recent incidents and what they mean for us here ⬇️ https://www.linkedin.com/pulse/why-human-oversight-remains-essential-ai-lessons-from-khan-9m5xc

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Osama Azmat Khan

@OsamaaDev · May 6, 2026

So it’s a merger not an acquisition ?

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Hire me

Looking for a Senior iOS or Mobile Engineer?

I help teams modernize large iOS codebases, ship FinTech-grade payment flows, and raise accessibility and performance bars. Based in Tokyo — open to roles worldwide, remote or onsite.

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