Yusuf Firoz

CEO

Toronto, Ontario, Canada9 yrs 7 mos experience
Highly StableAI Enabled

Key Highlights

  • Built AI platforms impacting revenue and risk.
  • Led AI teams in regulated environments.
  • Expert in designing end-to-end AI systems.
Stackforce AI infers this person is a Fintech expert with deep expertise in AI and machine learning systems.

Contact

Skills

Core Skills

Data ScienceMachine Learning

Other Skills

Lending Intelligence PlatformBERT-based Decision EngineLLM-Powered Fraud FrameworkEnterprise GenAI AssistantCLTV modelAI Governance and MLOpsAI GovernanceNatural Language ProcessingDeep LearningBusiness IntelligenceData AnalysisStatistical Data AnalysisImage ProcessingMicrosoft ExcelSQL

About

Most AI projects fail not because the model was wrong - but because nobody thought hard enough about the data pipeline, the governance layer, or what happens when the model drifts at 2am on a Sunday. I've spent 10 years making sure that doesn't happen - and a good portion of that time in the weeds: reading papers, running experiments, building algorithms from first principles, and understanding why something works before deciding whether to ship it. I build AI platforms that make consequential decisions — the kind that directly affect revenue, risk, and operations at scale. From engineering ML infrastructure for 400M+ subscribers at Jio, to leading AI for PayU's lending business (LLM-powered fraud detection, enterprise AI platform, real-time credit decisioning), to now building that entire playbook natively as Chief Data Scientist at Vault in Canada. The through-line isn't the industry. It's the approach: production-grade, governed, explainable, and built to compound in value over time — not just impress in a demo. What I actually do: → Design and build end-to-end AI systems: data layer, feature store, model portfolio, decision engine, monitoring, governance → Research, experiment, and build algorithms: from classical ML and deep learning to LLM-native architectures and agentic systems → Lead and scale AI teams: hiring, pod structure, GenAI enablement, cross-functional alignment, mentoring → Ship enterprise GenAI in regulated environments - RAG, agentic workflows, LLM evaluation, MCP-integrated tooling → Translate between model architecture and board strategy without losing precision at either end Where I've done this: Fintech · Lending & Credit Risk · Fraud Detection · Telecom · HRTech What I believe: AI is not magic. It's a composable set of primitives - embeddings, RAG, agents - that only compounds in value when the data foundation, governance, and human-in-the-loop design are right. The organisations that win with AI aren't the ones with the best models. They're the ones that built the best systems around them. And the people who build those systems well are the ones who still care enough to understand what's happening inside the model - not just around it. Open to senior AI leadership roles globally, advisory conversations, and connecting with practitioners building serious AI.

Experience

Vault credit corporation

Chief Data Scientist

Nov 2025Present · 5 mos · Toronto, Ontario, Canada

Payu

2 roles

Director - Data Science

Promoted

Apr 2022Aug 2025 · 3 yrs 4 mos

  • Architected Lending Intelligence Platform from scratch — real-time AI covering acquisition, underwriting, disbursal, collections, retention, and cross-sell for a BNPL and cash-loan portfolio across multiple markets; defined AI product roadmap with PMs and ran A/B experiments measuring uplift in approval rate, fraud loss, and cure rate.
  • Built BERT-based Decision Engine fusing SMS, banking, geo-location, app usage, bureau, transactions, and payment signals — enabling instant, explainable credit decisions and expanding access for thin-file and NTC customers.
  • Designed and deployed modular LLM-Powered Fraud Framework: selfie/document/address/statement deduplication via embeddings and vector DBs (FAISS, Weaviate); XGBoost ensemble scoring across bureau, device, network, and behavioural signals; OCR-based forgery detection; red-teaming and DLP guardrails — achieving ~85% reduction in identity fraud.
  • Launched Enterprise GenAI Assistant on Amazon Bedrock (Claude, Llama) with hybrid RAG (OpenSearch), multimodal document processing, DLP guardrails, and audit logging; designed GenAI enablement program reaching 100+ knowledge workers across Risk, Operations, and Marketing.
  • Delivered CLTV model integrating spend, retention, and risk signals for precision targeting; built collections intelligence (intent-to-pay segmentation, next-best-action) improving cure rates and reducing cost-to-collect.
  • Built and scaled AI organisation of 10–15: Data Scientists, ML Engineers, Product Managers. Defined roles, ran hiring, drove GenAI adoption through agent development, prompt engineering (CoT/ReAct), and business process redesign.
  • Implemented enterprise AI Governance and MLOps: drift monitoring (PSI/CSI), SHAP/LIME explainability, MLflow model registry, CI/CD, champion-challenger testing, data contracts, lineage tracking, and LLM eval harness — regulatory-ready across GDPR and AML/KYC jurisdictions.
Lending Intelligence PlatformBERT-based Decision EngineLLM-Powered Fraud FrameworkEnterprise GenAI AssistantCLTV modelAI Governance and MLOps+2

Lead Data Scientist

Dec 2020Mar 2022 · 1 yr 3 mos

The university of texas at austin

Data Science Instructor

Jun 2020Apr 2022 · 1 yr 10 mos

  • In association with Great Learning

Bajaj finserv

Senior Data Scientist

May 2020Nov 2020 · 6 mos

  • Built Geo-Spatial Intelligence Platform using OpenStreetMap, DBSCAN density clustering, and NLP address normalisation — detecting location-based fraud rings, predicting address changes, and improving field collections routing.
  • Designed address data pipeline with quality scoring, regional normalisation, and completeness validation — reducing operational errors and improving customer contactability across a distributed lending footprint.
Machine Learning

Upgrad

Machine Learning Specialist, Consulting

Apr 2020Apr 2021 · 1 yr

Machine Learning

Jio

Data Scientist @ Artificial Intelligence-COE

Oct 2018May 2020 · 1 yr 7 mos

  • Built large-scale Data Feature Lake integrating customer, network, and device data for 400M+ subscribers — unified 360° feature views enabling churn reduction, IoT analytics, and network intelligence across Jio's telecom, retail, and petroleum businesses.
  • Engineered distributed ML pipelines on India's largest Hadoop cluster (MapReduce / Spark): real-time anomaly detection, demand forecasting, and network tower placement optimisation using geo-location and IoT sensor data.

Must research academy

Researcher & Faculty Member

Jul 2018Present · 7 yrs 9 mos · Hyderabad, Telangana, India

Swooptalent

NLP Scientist

Jan 2018Sep 2018 · 8 mos

  • Developed NLP-driven resume classification models using probabilistic (Naive Bayes), deep learning (LSTM), and rule-based methods to map candidate profiles to job descriptions.
  • Applied text mining techniques including tokenization, word embeddings (Word2Vec), POS tagging, NER, sentiment analysis, and topic modeling to improve job-candidate matching.
  • Designed and implemented a custom annotation platform for large-scale corpus tagging and supervised learning pipelines.
  • Automated recruitment workflows by integrating candidate data from ATS and CRM systems, improving talent alignment and recruiter efficiency.

Infosys

Data Scientist

Dec 2015Jan 2018 · 2 yrs 1 mo · India

  • Delivered end-to-end ML solutions, including data ingestion, cleaning, feature engineering, model development, validation, and deployment for large enterprise datasets.
  • Applied statistical and ML modeling techniques (regression, k-NN, neural networks) to support click fraud detection use cases in digital advertising.
  • Founded and led an internal ML Club, training 100+ junior engineers in Data Science, Machine Learning, and IoT technologies.
  • Developed and maintained data ingestion pipelines, ensuring clean, scalable datasets for downstream modeling and analytics.

Uiet, panjab university

Research Assistant

Aug 2013Oct 2015 · 2 yrs 2 mos · Chandigarh, Chandigarh, India

  • Researched face recognition using symmetry-based features and classification via SVM and tree-based models.
  • Developed image forgery detection techniques using block-wise segmentation and noise pattern analysis for morphed image identification.
  • Built medical image analysis models for breast cancer detection through feature extraction and dimensionality reduction.

Education

Guru Ghasidas University

Bachelor of Technology (B.Tech.) — Computer Science

Panjab University

Master’s Degree — Information Technology

Stackforce found 100+ more professionals with Data Science & Machine Learning

Explore similar profiles based on matching skills and experience