---
title: "Mohd Ayyoob - Data Scientist in Bengaluru | Tal"
description: "Meet Mohd Ayyoob, Data Scientist @ Kotak | Agentic AI & LLMs at Scale | RL | MTech CSA @ IISc | Ex-TCS based in Bengaluru. AI stack includes claude code, claude, and cursor."
image: "https://tal.club/meet/mohd-ayyoob/share-image"
---

# Mohd Ayyoob on Tal

## Headline

Data Scientist @ Kotak \| Agentic AI & LLMs at Scale \| RL \| MTech CSA @ IISc \| Ex\-TCS

## About

Data Scientist and ICCV 2025–published researcher specializing in production ML, Agentic AI, and Applied Reinforcement Learning\. I bridge state\-of\-the\-art architectures with enterprise\-grade financial systems at scale\. Agentic AI & LLMs @ Kotak : Building agentic system for credit intelligence and PL underwriting\. It is LangChain based with planning, dynamic tool selection and dual\-model on\-device LLM orchestration \(Mistral \+ DeepSeek via Ollama\)\. Framed out guardrails, Pydantic inter\-agent contracts, and trace\-analysis\-driven debugging to ensure auditibility and reliability of autonomous workflows—improving downstream throughput by \~400x\. FinTech at Scale: Built ML systems supporting 60M\+ customers and ₹180Cr\+ in monthly credit disbursals, with income modeling \(SBERT\), RAG\-based transaction tagging \(1\.1B\+\), and unstructured address intelligence \(IndicBERT/LoRA fine\-tuned\)—driving a 40% reduction in portfolio bad rate while owning the end\-to\-end MLOps cycle \(AWS, Airflow, Redshift\)\. Research \(IISc Bengaluru\): ICCV 2025 work introduced a Fourier Neural Operator encoder for model\-free visual RL \(PPO, A2C, Rainbow\), achieving SOTA on CARLA and ATARI\. It spans representation learning and sample efficiency for RL Core skills: LLMs · RAG · LangChain · Agentic AI · Transformer Fine\-Tuning · LoRA/QLoRA · NER · MLOps · AWS · Apache Airflow · PyTorch · TensorFlow · Hugging Face

## Location

Bengaluru

## AI stack

claude code

claude

cursor

hermes agent

hugging face

ollama

## Work experience

Data Scientist at Kotak Mahindra Bank, Jul 2024 \- Present · 2 yrs 2 mos, Bengaluru, Building at the intersection of Agentic AI, financial intelligence, and large\-scale NLP—autonomous credit\-decisioning agents, risk modeling, RAG systems, and production MLOps\. \- Key Contributions: Agentic Credit Intelligence: Built a LangChain\-based agent for natural\-language credit decisioning over transaction and CIBIL data\. Goal\-conditioned pipeline with dynamic selection across 25\+ analytics tools and dual on\-device LLM orchestration \(Mistral \+ DeepSeek via Ollama\)\. Added guardrails, Pydantic inter\-agent contracts, and trace\-analysis for observability—delivering autonomous reports \(HTML\) and boosting Hindsighting throughput \~400x/day\. Income & Affluence Intelligence: Replaced heuristics with an SBERT\-based \(Siamese\-BERT\) salary detection stack—lifting accuracy 47%→72% and cutting bad rate 1\.24%→0\.75%, powering ₹180Cr\+ monthly disbursals across CC, PL, and BL portfolios\. RAG Transaction Tagging: Built a RAG engine categorizing 1\.1B\+ transactions into 25 classes for 60M\+ customers, replacing legacy regex and cutting class confusion 23%\. Multi\-modal encoder \(BERT\+MLP, late fusion\) with FAISS retrieval and few\-shot prompting \(Qwen\), raising coverage for complex classes 45%\. Address Intelligence: Fine\-tuned IndicBERT via LoRA for NER \(82% token accuracy across dialects\) and built a geo\-spatial layer bucketing applicants into 0/1/10km zones—raising correct rejections 34% to 64% and cutting wrongful rejections 20% to 7%\. MLOps at Scale: Architected AWS Redshift \+ Airflow pipelines with automated schema validation and data\-shift detection, cutting runtime from 5 days to <8 hours \(93% gain\)\.

Assistant System Engineer at Tata Consultancy Services, May 2021 \- Jul 2022 · 1 yr 3 mos, Pune, Maharashtra, India

## Education

Master of Technology \- MTech, Computer Science, Indian Institute of Science \(IISc\)

Bachelor of Technology \- BTech, Computer Science, Mahatma Jyotiba Phule Rohilkhand University

[View the original profile](https://tal.club/meet/mohd-ayyoob)

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