Verdivo
AI-assisted chargeback and sustainability intelligence platform for modern eCommerce merchants.
AI Engineer & Full-Stack Product Engineer
I build intelligent, scalable products that turn complex problems into clear, measurable outcomes.
Toptal Talent NetworkVetted for engineering, product delivery, and client collaboration.

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AI-assisted chargeback and sustainability intelligence platform for modern eCommerce merchants.
Enterprise knowledge and document intelligence powered by RAG, LLMs, and secure workflows.
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AI-powered fitness and nutrition platform with personalized workouts, meal plans, HealthKit/Health Connect sync, subscriptions, and App Store / Google Play delivery across iOS and Android.
HIPAA-compliant medical records and 3D body scan app for a wellness center — secure lab results, medical history, biometric login, and admin report workflows across mobile and web.
NDA-protected enterprise automotive platform for dealership operations — deal lifecycle, finance workflows, RBAC, scheduling, DMS integrations, and real-time team communication.
Selected as a member of the Toptal talent network, helping clients design, audit, build, and productionize AI-powered SaaS, web, and mobile products.
Leading the development of production-grade AI, SaaS, fintech, healthcare, and mobile products across modern web, backend, cloud, and LLM ecosystems.
Built and scaled an AI-powered chargeback automation SaaS for eCommerce merchants, improving dispute management and recovery workflows.
Built and maintained scalable web applications, dashboards, admin platforms, APIs, integrations, and workflow automation for client-facing products.
Started my professional software engineering career by contributing to full-stack web applications, reusable UI components, APIs, and database-backed business workflows.
Production LLM features, RAG systems, AI agents, evaluation, and intelligent automation.
End-to-end web applications with scalable APIs, modern frontends, and clean architecture.
From discovery and architecture to implementation, deployment, and continuous improvement.
Reliable cloud-ready systems, event-driven workflows, security, observability, and scale.
Technical audits, MVP hardening, AI strategy, engineering leadership, and launch readiness.

I'm Muhammad Umair, an AI Engineer and Full-Stack Product Engineer with 6+ years of experience building intelligent, scalable, and user-focused products across web, mobile, SaaS, and AI.
I enjoy turning complex business problems into simple, maintainable systems that teams can trust and grow.
Get in touch →Umair combines strong technical depth with product ownership and clear communication. He consistently turns complex requirements into reliable, production-ready solutions.
Let's build something intelligent, reliable, and impactful together.