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Sajjad Baloch is an experienced IT professional with a strong background in application development and management. Currently serving as the Head of Application Development at Bayan Credit Bureau since November 2016, Sajjad is responsible for transforming business operational needs into effective IT applications and ensuring their timely modifications and maintenance. As a co-founder of The Smart Solutions, contributions include developing dynamic solutions and responsive websites. Previous experience includes significant roles at Saudi Credit Bureau - SIMAH as a Senior Software Developer and Team Lead, as well as positions at SISCOM, sakonent, Sybrid Private Limited, Beyond Vision, and Neosol Advance IT Solution Provider, where expertise in software development, architecture, and team management was demonstrated. Sajjad Baloch holds a BS in Computer Science from Federal Urdu University of Arts, Science & Technology, Islamabad, graduated in 2007.