Navin Kumar M profile photo 1 on Tal

Navin Kumar M

Co-founder & CTO at Bidovate

Bengaluru

2+ years of work experience

Bidovate
Sep 20251 yrPresent

India

Building AI Brain & Agentic Workflows to automate lifecycle of enterprise procurement.
Branch International
Apr 20264 mosJul 2026

• Research on the explainability and fairness of transformer-based credit models. • Developing deep neural network–based credit models that capture intricate risk patterns from unstructured user data.
Branch International
Jun 20241 yr 10 mosMar 2026

• Architected scalable, distributed feature extraction, AI training and inference systems, achieving up to an 8× performance improvement over previous infrastructure. • Developed multiple attention-based and bureau-centric credit risk models to accurately assess risk and expand fair lending across diverse borrower segments.
Branch International
Jan 20245 mosMay 2024

• Applied natural language processing and advanced feature engineering to unlock financial access for underserved, new-to-credit populations. • Developed high-throughput distributed data pipelines to enable automated, large-scale credit validation.

Education

Vellore Institute of Technology

Bachelor of Technology - BTech, Computer Science specialization in Artificial Intelligence & Machine Learning

Vellore Institute of Technology

20204 yrs2024

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Navin Kumar M on Tal

Headline

Co-founder & CTO at Bidovate

About

I am currently working on building AI Brain & Agentic Workflows to automate lifecycle of enterprise procurement. At Branch International, I built multiple credit risk models that reduced APRs for customers by 29% and created over $100M in financial access. On the infrastructure side, I led the development of a scalable ML model training and distributed feature-fetch system that accelerated training by 20x. At VIT, I built a strong foundation in both the breadth and depth of machine learning. For my capstone project, I developed an instruction-aligned AI tutor using reinforcement learning, which won the Best Capstone Award of 2024.

Location

Bengaluru

Work experience

Chief Technology Officer at Bidovate, Sep 2025 - Present · 1 yr, India, Building AI Brain & Agentic Workflows to automate lifecycle of enterprise procurement.

Software Engineer II - Machine Learning at Branch International, Apr 2026 - Jul 2026 · 4 mos, • Research on the explainability and fairness of transformer-based credit models. • Developing deep neural network–based credit models that capture intricate risk patterns from unstructured user data.

Software Engineer I - Machine Learning at Branch International, Jun 2024 - Mar 2026 · 1 yr 10 mos, • Architected scalable, distributed feature extraction, AI training and inference systems, achieving up to an 8× performance improvement over previous infrastructure. • Developed multiple attention-based and bureau-centric credit risk models to accurately assess risk and expand fair lending across diverse borrower segments.

Software Engineer Intern - Machine Learning at Branch International, Jan 2024 - May 2024 · 5 mos, • Applied natural language processing and advanced feature engineering to unlock financial access for underserved, new-to-credit populations. • Developed high-throughput distributed data pipelines to enable automated, large-scale credit validation.

Education

Bachelor of Technology - BTech, Computer Science specialization in Artificial Intelligence & Machine Learning, Vellore Institute of Technology

Navin Kumar M - Chief Technology Officer in Bengaluru | Tal