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I am an AI/ML engineer with over 4 years of experience delivering end-to-end machine learning solutions across banking, financial services, and enterprise technology. I specialize in credit risk, fraud detection, churn prediction, customer segmentation, NLP, and Generative AI, deployed in FCA-regulated production environments. I thrive at bridging the gap between data science and business. I translate regulatory and business requirements into production-ready AI solutions, communicate model findings to senior stakeholders, and collaborate with risk, compliance, and data engineering teams. I am a published researcher with four peer-reviewed papers and a Best Dissertation Award recipient from the University of Strathclyde (2025).…I am an AI/ML engineer with over 4 years of experience delivering end-to-end machine learning solutions across banking, financial services, and enterprise technology. I specialize in credit risk, fraud detection, churn prediction, customer segmentation, NLP, and Generative AI, deployed in FCA-regulated production environments. I thrive at bridging the gap between data science and business. I translate regulatory and business requirements into production-ready AI solutions, communicate model findings to senior stakeholders, and collaborate with risk, compliance, and data engineering teams. I am a published researcher with four peer-reviewed papers and a Best Dissertation Award recipient from the University of Strathclyde (2025).

Vibhuti Choubisa

AI Engineer, Data Scientist, AI Developer, +2

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I am an AI/ML engineer with over 4 years of experience delivering end-to-end machine learning solutions across banking, financial services, and enterprise technology. I specialize in credit risk, fraud detection, churn prediction, customer segmentation, NLP, and Generative AI, deployed in FCA-regulated production environments. I thrive at bridging the gap between data science and business. I translate regulatory and business requirements into production-ready AI solutions, communicate model findings to senior stakeholders, and collaborate with risk, compliance, and data engineering teams. I am a published researcher with four peer-reviewed papers and a Best Dissertation Award recipient from the University of Strathclyde (2025).…I am an AI/ML engineer with over 4 years of experience delivering end-to-end machine learning solutions across banking, financial services, and enterprise technology. I specialize in credit risk, fraud detection, churn prediction, customer segmentation, NLP, and Generative AI, deployed in FCA-regulated production environments. I thrive at bridging the gap between data science and business. I translate regulatory and business requirements into production-ready AI solutions, communicate model findings to senior stakeholders, and collaborate with risk, compliance, and data engineering teams. I am a published researcher with four peer-reviewed papers and a Best Dissertation Award recipient from the University of Strathclyde (2025).

Available to hire

I am an AI/ML engineer with over 4 years of experience delivering end-to-end machine learning solutions across banking, financial services, and enterprise technology. I specialize in credit risk, fraud detection, churn prediction, customer segmentation, NLP, and Generative AI, deployed in FCA-regulated production environments.

I thrive at bridging the gap between data science and business. I translate regulatory and business requirements into production-ready AI solutions, communicate model findings to senior stakeholders, and collaborate with risk, compliance, and data engineering teams. I am a published researcher with four peer-reviewed papers and a Best Dissertation Award recipient from the University of Strathclyde (2025).

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Language

English

Fluent

Work Experience

AI / ML Engineer at Virgin Money

October 1, 2025 - Present

Deployed real-time ML models for credit risk scoring, fraud detection, churn prediction, and personalised product recommendations, integrated via FastAPI into core banking infrastructure. Reduced manual data preprocessing effort through reusable Python pipeline components; implemented automated drift detection and model retraining workflows. Established model monitoring frameworks tracking accuracy, F1, ROC-AUC, and drift metrics; ensured outputs met GDPR and FCA model risk governance standards. Collaborated with risk analysts, compliance, data engineers, and product owners to translate regulatory and business requirements into production-ready AI solutions.

AI Engineer at Apex Group Ltd

August 1, 2024 - September 1, 2025

Delivered predictive analytics, classification, clustering, and anomaly detection models that reduced manual reporting cycles by ~30% across enterprise financial operations. Built and maintained scalable end-to-end ML pipelines (ingestion → EDA → training → deployment support) with full reproducibility and automated retraining strategies. Automated repetitive data engineering workflows using Python scripting, significantly reducing operational overhead for the analytics team.

Machine Learning Engineer at AU Small Finance Bank

January 1, 2022 - July 1, 2024

Built credit risk scoring, loan default prediction, fraud detection, and customer segmentation models from multi-source banking datasets (profiles, transactions, loan systems). Delivered complete ML pipelines from EDA and feature engineering through hyperparameter tuning, validation, and staging deployment alongside software engineering teams. Identified key risk indicators through in-depth statistical analysis and EDA, informing credit policy adjustments adopted by the risk team.

Business Analyst at Gayatri Software Services

January 1, 2016 - January 1, 2021

Authored BRDs, FRDs, and process flows across multiple software development projects; designed analytical dashboards supporting senior management decision-making. Collaborated with developers, architects, and testers across Agile and Waterfall SDLC — building the stakeholder communication and data analysis skills foundational to an ML career.