---
title: "Navin Kumar M - Chief Technology Officer in Bengaluru | Tal"
description: "Meet Navin Kumar M, Co-founder & CTO at Bidovate based in Bengaluru."
image: "https://tal.club/meet/navin-kumar-m/share-image"
---

# 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

[View the original profile](https://tal.club/meet/navin-kumar-m)

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