Owais Talat · Riyadh, Saudi Arabia
Technology Consultant & Fractional CTO in Riyadh
I help startups and growing businesses with technology strategy, AI, product development, software architecture, engineering leadership, and digital transformation. I work in Saudi Arabia, across the GCC, and with international teams.
About Owais Talat
Muhammad Owais Talat is a technology consultant, technology advisor, and fractional CTO based in Riyadh, Saudi Arabia. He helps startups and growing businesses with technology strategy, AI, product development, software architecture, engineering leadership, and digital transformation.
- Name
- Muhammad Owais Talat (Owais Talat)
- Role
- Technology consultant, technology advisor, and fractional CTO
- Based in
- Riyadh, Saudi Arabia
- Experience
- 15+ years, from product design and frontend engineering to engineering and technology leadership
- Current role
- Engineering Lead (Frontend & Mobile), Dinar.sa
- Previously
- Team Lead, Frontend Engineering at NEOM · Co-Founder & Technical Lead at Locofy.ai · Team Lead, Product Engineering at BankOnUs
- Focus
- Technology strategy, AI, product development, software architecture, engineering leadership, digital transformation, technical due diligence
- Works with
- Startup founders, CEOs, boards, investors, and SMEs that need senior technology judgement without a full-time CTO
- Markets
- Saudi Arabia and the GCC, plus remote work with the US, Canada, and Europe
Working in Saudi Arabia
Services
- Fractional CTO: CTO-level ownership of product, architecture, teams, and delivery, on a retained or part-time basis.
- CTO & Technology Advisory: Technology strategy, executive decision support, and a practical roadmap for your product and IT.
- Startup Technology Advisory: A senior technical sounding board for founders: stack, MVP scope, first hires, vendors, and investor questions.
- AI Solutions & Business Automation: AI agents, workflow automation, and practical adoption inside the business you already run.
- Product & MVP Development: From idea to MVP and first release for web, mobile, and SaaS, with senior technical ownership.
- Technology Audit & Technical Due Diligence: Architecture, codebase, security, delivery, and team assessment before you scale, buy, or invest.
- Engineering Team Setup & Scaling: Hiring plans, team structure, delivery process, and leadership for engineering organizations.
- Digital Transformation: Legacy modernization, automation, integration, and AI adoption with an executable plan.
Case studies
- Dinar.sa (FinTech): Frontend and mobile engineering leadership for a Saudi FinTech product with real-time financial workflows.
- NEOM digital platforms (Government / mega project): Frontend team leadership on government-scale digital products inside Saudi Arabia’s NEOM programme.
- Locofy.ai (AI / low-code): Co-founded and led technical development of a design-to-code AI platform.
- ilmyst.com (EdTech): Founded and built an educational technology platform as full-stack owner.
Why work with me
- 15+ years, design to CTO. I started in design and full-stack engineering, then moved into architecture and executive technology leadership. Along the way I've shipped 30+ products.
- Accountable for outcomes. I've led teams and set delivery standards, and I stay responsible for what actually ships after the advice is given.
- Enterprise and government scale. Production FinTech at Dinar.sa, government-scale platforms at NEOM, and an AI product as co-founder of Locofy.ai.
- US, Canada, Europe, and the Gulf. Based in Riyadh. In person across Saudi Arabia and the UAE; remote with a weekly cadence and scheduled overlap for North America and Europe.
Frequently asked questions
Who is Owais Talat?
Muhammad Owais Talat (Owais Talat) is a technology consultant, technology advisor, and fractional CTO based in Riyadh, Saudi Arabia. With 15+ years in product, software architecture, and engineering leadership (including Dinar.sa, NEOM digital platforms, and Locofy.ai), he helps startups and growing businesses with technology strategy, AI, product development, and digital transformation.
Can you help me launch a new digital product?
Yes. Owais Talat helps founders take a product from idea to launch: technical plan, architecture, MVP or first release, team leadership, and the systems needed to operate after launch. He has shipped 30+ products across FinTech, EdTech, AI, e-commerce, and logistics.
When should I hire a fractional CTO instead of an agency?
Hire a fractional CTO when you need more than extra developers: a senior owner for technology decisions, product sequencing, architecture, and delivery. Owais Talat takes on that role with founders. He can still build, but the job is to make the product launch and the IT operation succeed.
Which markets do you work with?
Owais is based in Riyadh, Saudi Arabia. He works in person with companies in Saudi Arabia and the UAE, and remotely with startups and growing businesses in the United States, Canada, the UK, and the EU on a weekly cadence with scheduled time-zone overlap.
How do I start working with Owais Talat?
Message +966 538 696 406 on WhatsApp, email mowaisinc@gmail.com, or connect on LinkedIn. Share the product you want to launch or the IT and engineering work you need managed.
Latest insights
- How to Choose a Technology Consultant in Saudi Arabia: Seven questions Saudi founders and CEOs should ask before hiring a technology consultant, plus the warning signs that matter more than a polished deck.
- How Fractional CTO Engagements Are Priced in Saudi Arabia: The pricing models for fractional CTO work, what drives the cost, and how to compare it fairly with a full-time CTO hire in Saudi Arabia.
- Technical Due Diligence for Saudi Startups: What Investors Check: What technical due diligence covers in Saudi startup investments, the issues that come up most often, and how founders can prepare before a round.