Resume
Basics
| Name | Navin Kumar M |
| 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.
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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.
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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
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2020.09 - 2024.05 India
B.Tech in Computer Science & Engineering, Specialization in Artificial Intelligence & Machine Learning
VIT University
GPA: 8.92/10
Relevant Coursework: Machine Learning, Deep Learning, Natural Language Processing, Data Structures & Algorithms, Operating System, Networks & Security, DBMS, Linear Algebra, Statistics, Software Engineering, Product Development & Entrepreneurship
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
- 2025.10
- 2025.01
- 2024.04
Best Final Year Project, VIT University
VIT University
Winner, for developing an on-premise AI learning platform
- 2024.01
Branch Hackathon – For developing an AI Agent to assist engineers with documentation
Branch International
Winner
- 2020.01
- 2018.07
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)