Resume

Basics

Name Navin Kumar M
Email personal.mnk@gmail.com
Phone +919884285774
Url https://cosmic-heart.github.io/
Summary Machine Learning Engineer with 2+ years of experience building scalable AI systems for credit risk and enterprise decision intelligence. A pragmatic problem solver with a strong passion for applying AI to deliver impactful solutions in fintech and enterprise domains.

Leadership

  • 2025.01 - Present

    Co-Founder, Chief Technology Officer
    Stealth AI Startup
    • Led a team of 5 in developing tech infrastructure, an AI-driven search, recommendation analytics, and an intelligent document processing engine.
    • Drove expansion to 50+ enterprise clients by integrating customer feedback, refining AI models, and ensuring product-market fit.
  • 2024.01 - Present

    Remote

    Project Lead, Machine Learning Initiatives
    Branch International
    • Led the development of several credit risk models for underwriting that unlocked $100M+ in responsible financial access across India and Africa, enabling data-driven lending for 50M+ underserved users.
    • Strengthened AI-driven lending systems through reliable training and inference workflows, supported by cross-functional collaboration and multiple initiatives that elevated model quality and deployment standards.

Work

  • 2024.06 - Present

    Remote

    Machine Learning Engineer
    Branch International
    • Drove the development of a neural network-based credit risk model from unstructured SMS data, ensuring transparent and interpretable underwriting decisions aligned with regulatory standards.
    • Accelerated feature fetch processing by 8 times through a distributed head-worker system using Ray, fine-tuning service worker and threadpool configurations, optimizing SQL queries, and intelligent batching of I/O- & CPU- intensive requests. (https://cosmic-heart.github.io/post/2025/feature-fetch-optimization/)
    • Developed a credit model using bureau data for the premium user segment, achieving a 3% delinquency rate, at 29% APR reduction.
    • Built a fully automated, scalable training infrastructure on AWS, reducing model training time and costs by fivefold.
    • Integrated a RabbitMQ-based priority queue system to orchestrate reliable communication between backend and AI services.
    • Led the effort of integrating bureau and account aggregator data sources into our data & feature engineering pipeline
    • Decreased feature service latency by threefold by rewriting critical CPU-intensive components in Rust
    • Refined training sample queries and incorporated shorter window targets, enabling the use of recent data along with improving data confidence & generalizability across all user segments.
  • 2024.01 - 2024.05

    Remote

    Machine Learning Engineer
    Branch International
    • Trained robust BERT-based cashflow classification & extraction SMS model with AUC of 0.99, increasing data coverage threefold, and maintained year-long operational stability.
    • Engineered bureau-based features and trained a credit model for first-time borrowers, resulting in a 6% AUC improvement and enabling $90 million in financial access for underserved users.
    • Developed a parallel processing algorithm to identify issues in retrospective bureau data and transform it into Credit Reports at 100K+ files/min.
  • 2023.11 - 2024.04

    India

    Engineering Intern
    VIT University
    • Built a parallel and distributed computing workspace using Ray, NFS to accelerate ML training and inference.
    • Configured Linux & ML Frameworks on IBM PowerPC ppc64le architecture.
    • Architected and deployed an AI Learning Platform on distributed clusters to support hands-on learning for junior students.
  • 2023.05 - 2024.07

    Remote

    Machine Learning Engineer
    Gutsy Innovation
    • Built a real-time face detection & recognition system using YOLOv7 and ArcFace.
    • Integrated Kalman filter–based face tracking and ESPCN super resolution to enhance image clarity.
    • Deployed this AI surveillance service in edge devices using DeepStream SDK and integrated it with Azure IoT Hub for monitoring.

Education

Projects

  • 2023.11 - 2024.04
    Instruction-Aligned AI Tutor
    • Fine-tuned LLaMA-7B using RLHF on synthetic Q&A corpora with adversarial prompts, improving pedagogical alignment and mitigating prompt injection vulnerabilities.
    • Engineered a high-throughput LLM-RAG system using vLLM and Ray, integrated with Qdrant and LangChain for contextual, real-time doubt clarification.
    • Built a scalable Django backend with PostgreSQL and Cassandra to retain user interactions for continuous retraining and future model iterations.
  • 2022.12 - 2023.04
    Multimodal Malware Forensics
    • Trained a CoAtNet Transformer on 2M malware binaries converted into dual-channel images using byteplot and bigram-DCT transforms to learn morphological malware signatures.
    • Trained LightGBM models on static PE structural attributes extracted from binaries, and built an LSTM classifier over dynamic system-call traces obtained from sandbox execution logs.
    • Ensembled all classifiers using a meta-model for production inference, and developed a cross-platform Rust-based client that uploads files to an AI-driven backend with real-time model scoring visualized via Azure Power BI.
  • 2022.12 - 2023.04
    Spatiotemporal Anomaly Perception
    • Trained a SwinTransformer as a variational autoencoder for frame reconstruction, and fused its encoder with LSTM decoders to capture temporal anomalies in UCF-Crime surveillance streams.
    • Optimized anomaly classification by adding an SVM-based prefilter, calibrated to capture minute anomalies, which is then verified by an LSTM network to reduce computation and false positives.
    • Deployed an edge-ready WebSocket pipeline for multi-camera ingestion and low-latency anomaly alerts.
  • 2023.04 - 2023.04
    Pix2Struct-Based Vision-Language Graph Parsing
    • Performed visual reasoning on charts and plots to make them accessible for visually impaired users.
    • Used EfficientNetV2 for chart classification and applied Matcha (Pix2Struct) for bar, line, and dot plot interpretation, along with Faster R-CNN for scatter plot derendering.

Awards

Skills

Technical Expertise:

Natural Language Processing (4 yrs), Cloud Infrastructure (4 yrs), MLOps (3 yrs), Credit & Fraud Modeling (2 yrs), Generative Language Models (1 yrs), Forecasting Modeling (2 yrs), Computer Vision (1 yr), Information Security (1 yr)

Cloud & Infrastructure:

AWS (4 yrs), Git (4 yrs), Ray (3 yrs), Linux (3yrs), Docker & Kubernetes (2 yr), Airflow (1 yrs)

Programming Languages:

Python (6 yrs), C++ (4 yrs), SQL (2 yrs), Rust (1 yr), Go (1 yr), Cuda (1 yr)

Frameworks & Tools:

PyTorch (4 yrs), Scikit (3 yrs), Triton (1 yr), Power BI (1 yr), Matlab (1 yr)

Certificates

Machine Learning in Production

Coursera – offered by DeepLearning.AI 2023-07

AWS Certified Developer – Associate

Udemy – preparation course for AWS 2023-05

Volunteer

  • 2022.07 - 2023.12

    VIT University

    Public Relations Officer
    Rotaract Club, VIT University
    • Spearheaded communication, outreach, and marketing efforts for the club.
    • Organized fundraising events, coordinated donation drives for underprivileged communities,
    • Played a key role in the execution of events such as blood donation camps, cleanliness drives, and educational workshops.

Languages

Tamil
Native
English
C1
German
A1

Interests

Piano Enthusiast and Performer (2012 - 2017)

Represented Inter-Club Cricket Team as a Left-Arm Fast Bowler & Captain (2014 - 2017)