Open to opportunities · Dhaka, Bangladesh

Hi, I'm

Atiqul Islam Chowdhury

AI & ML Engineer · Senior Data Scientist

From data to decisions.

I build end-to-end machine learning systems — from raw data pipelines to production models — for banking, fintech, and research.

Atiqul Islam Chowdhury
Currently atBRAC Bank PLC
22 Peer-reviewedpublications
6+
Years in data & AI
22
Publications
15+
Certifications
5+
Banking AI/ML projects
Experience across
BRAC Bank PLCNext VenturesFinSource LimitedSureCash · TallyKhataPioneer Alpha
About

A Quick Introduction

Hello

I turn raw, messy data into machine learning systems that make real decisions — in production, at scale, under regulatory scrutiny. That's the work I've built my career around.

Over 6+ years in the data and AI industry and 8+ years in research, I've taken models from notebook to production across banking, fintech, and applied science: fraud detection that runs in near real-time, AML monitoring that flags what humans miss, credit risk and churn models banks can rely on, and forecasting that changes how businesses plan.

Currently
BRAC Bank PLC
Associate Manager, R&D (Predictive AI)
Since Apr 2025
Based in
Dhaka, Bangladesh
Dhaka time · GMT+6
Focus areas
Artificial IntelligenceGenerative AI, LLMs, deep learning and computer vision
Data AnalyticsDashboards, BI and data storytelling that drive decisions
Predictive ModelingFraud, credit risk, churn and demand forecasting in production
fraud_detection.py
# BRAC Bank · Predictive AI
import pandas as pd
from sklearn.ensemble import GradientBoostingClassifier

def score_transaction(txn: dict) -> float:
    """Fraud risk score for a bKash transaction."""
    features = engineer_features(txn)
    return model.predict_proba([features])[0][1]

risk = score_transaction(txn)
if risk > THRESHOLD:
    flag_for_review(txn, risk)
running in production · BRAC Bank
Machine Learning and AI in the Realm of Data — book cover Author
ডেটার রাজ্যে মেশিন লার্নিং এবং এআই
Machine Learning and AI in the Realm of Data
★★★★★ 5.0 · 12 ratings
Research interests
Machine LearningDeep LearningImage ProcessingData MiningInternet of Things (IoT)
Experience

Where I've Worked

A career built across banking, fintech, and applied research — shipping ML systems end to end.

Career & Research Timeline
Roles, publications, certifications and talks by year — hover any mark for detail.
20192020202120222023202420252026
Roles
BRAC Bank PLC
Associate Manager, R&D (Predictive AI) · BRAC Bank PLC
2025 — Present
Senior Data Analyst · Next Ventures
2024 — Apr 2025
Team Lead (Data) · FinSource Limited
2023 — Jan 2024
Data Analyst · FinSource Limited
2021 — May 2023
Associate Data Analyst · SureCash · TallyKhata
2020 — Jul 2021
Research & Data Analyst · Pioneer Alpha
2019 — Dec 2020
Publications
5
2019 (5): An Approach to Facilitate Business System by Multiple Barcode Detection using Faster RCNN, A Study on Multiple Barcode Detection from an Image in Business System, A Study to Evaluate Different Classifiers on the Basis of Performance of the Prediction for Major Common Diseases, An Optimization Approach to Improve Classification Performance in Cancer and Diabetes Prediction, A Study to Test the Performance of Different Classifiers for Predicting Major Common Diseases
8
2020 (8): A Brief Review on Different Driver's Drowsiness Detection Techniques, An Automated System in ATM Booth Using Face Encoding and Emotion Recognition Process, hActNET: An Improved Neural Network based Method in Recognizing Human Activities, A Neural Network Based Approach for Recognition of Basic Emotions from Speech, Internet of Things (IoT): Vulnerabilities, Security Concerns and Things to Consider, A Comparative Analysis on Bangla Handwritten Digit Recognition with Data Augmentation and Non-Augmentation Process, A Review on Diabetes Self-management Applications for Android Smartphones: Perspective of Developing Countries, An Investigation into the Level of Valence Offered by Different Pointing Devices Against Challenging Tasks
6
2021 (6): An Automated Approach for the Recognition of Bengali License Plates, A Deep Learning Based Approach for Real-time Driver Drowsiness Detection, A Comparative Analysis of Different Approach for Basic Emotions Recognition from Speech, Artistic Natural Images Generation Using Neural Style Transfer, Robo-friend: Can a Social Robot Empathize with Your Feelings Effectively?, Empowering Bangladesh with the Aid of Artificial Intelligence & Industry 4.0
1
2022 (1): An Exploration of Machine Learning and Deep Learning-Based Diabetes Prediction Techniques
2
2023 (2): A Survey on Dimensionality Reduction Techniques for Time-series Data, A Framework for Lung Cancer Detection at Early Stages with IoT and Decision Support System
Certifications
4
2020 (4): Machine Learning and AI Foundations: Predictive Modeling Strategy at Scale, Machine Learning for Everyone, Understanding Machine Learning, Machine Learning with Tree-Based Models in Python
2
2021 (2): Database Design, SQL (Intermediate) Certificate
2
2022 (2): SQL (Advanced) Certificate, Google Data Analytics (Specialization)
1
2024 (1): Applied Machine Learning: Algorithms
2
2025 (2): Oracle Cloud Infrastructure 2025 Certified Generative AI Professional, Oracle Cloud Infrastructure 2025 Certified AI Foundations Associate
1
2026 (1): Google Advanced Data Analytics (Specialization)
Talks
4
2024 (4): SQL Mentor — Data Analytics Career Bootcamp, Judge — 1st Data Innovators Challenge, Exploring Data Analytics: Basics & Career Opportunities, Guest Speaker — Data Analysis Seminar
1
2025 (1): From data to decisions: A beginner's guide to data visualisation
  1. 2026
    Certifications 1
  2. 2025
    Associate Manager, R&D (Predictive AI) · BRAC Bank PLC Current
    Certifications 2Talks & teaching 1
  3. 2024
    Senior Data Analyst · Next Ventures
    Certifications 1Talks & teaching 4
  4. 2023
    Team Lead (Data) · FinSource Limited
    Publications 2
  5. 2022
    Publications 1Certifications 2
  6. 2021
    Data Analyst · FinSource Limited
    Publications 6Certifications 2
  7. 2020
    Associate Data Analyst · SureCash · TallyKhata
    Publications 8Certifications 4
  8. 2019
    Research & Data Analyst · Pioneer Alpha
    Publications 5
Roles Publications Certifications Talks & Teaching
Associate Manager, R&D (Predictive AI)
BRAC Bank PLCDhaka, Bangladesh
CurrentApr 2025 — Present
  • Architect and deploy end-to-end ML pipelines — from data ingestion and feature engineering to model training, evaluation, and on-premise production deployment on Windows Server infrastructure.
  • Develop and maintain secure, scalable AI/ML solutions in adherence with data privacy regulations (GDPR-equivalent standards) and internal compliance frameworks.
  • Designed customer segmentation and personalization models using clustering and RFM algorithms, improving targeting precision for banking products.
  • Fine-tune predictive models for credit risk scoring, churn prediction, and revenue forecasting under strict banking regulatory compliance.
Senior Data Analyst
Next VenturesDhaka, Bangladesh
Feb 2024 — Apr 2025
  • Conducted in-depth EDA and statistical modeling to surface actionable business insights that directly influenced product roadmap decisions.
  • Built and deployed ML models (regression, time-series forecasting with Prophet/ARIMA) for revenue prediction, improving forecast accuracy.
  • Designed and maintained interactive dashboards in Metabase and Looker Studio for real-time KPI monitoring.
  • Architected database replication pipelines for MySQL and PostgreSQL using AWS DMS, ensuring high availability and zero-downtime migrations.
Team Lead (Data)
FinSource LimitedDhaka, Bangladesh
Jun 2023 — Jan 2024
  • Managed the Data team's day-to-day operations and deliverables.
  • Maintained accurate participant records for 401(k) plans.
  • Developed and optimized complex database objects — stored procedures, functions, triggers, views — for scalable application development.
  • Partnered cross-functionally to resolve data challenges and support decision-making.
Data Analyst
FinSource LimitedDhaka, Bangladesh
Aug 2021 — May 2023
  • Worked on US Retirement Plan Services.
  • Developed Crystal Reports/APIs for data migration, scrubbing, and file mapping across stakeholder systems.
  • Produced operational reports covering essential business metrics for executive decision-making.
  • Wrote scripts to enhance company application functionality and performance.
Associate Data Analyst
SureCash · TallyKhataDhaka, Bangladesh
Dec 2020 — Jul 2021
  • Designed SQL/PL-SQL and automated Python scripts for data extraction, reporting, and stakeholder email generation.
  • Created investor-facing dashboards in Google Data Studio (Looker Studio) for board meetings.
  • Developed Python ETL scripts.
  • Built ML classification models predicting user behavior categories for a fintech platform.
Research & Data Analyst
Pioneer AlphaDhaka, Bangladesh
Dec 2019 — Dec 2020
  • Developed research projects through to publication.
  • Collected, organized, and interpreted organizational data to inform decisions.
  • Built Machine Learning and Neural Network models for research projects.
Selected Work

Projects & Impact

Live products, production models, and research — across fraud, risk, forecasting, personalization, and data education.

Bangladesh MFS Market Analysis illustration
Personal Project · FinTech Analytics
Bangladesh MFS Market Analysis
Time-series forecasting, anomaly detection, and market share estimation across Bangladesh's mobile financial services (bKash, Nagad, Rocket), with a Streamlit dashboard for exploring trends interactively.
PythonStreamlitPandasStatsmodelsScikit-learn
View on GitHub →
Fake Medicine Identifier illustration
Personal Project · Healthcare AI
Fake Medicine Identifier
Photo-based medicine authenticity checker for Bangladesh — uses Gemini Vision OCR to cross-check packaging against the MedEx drug directory and validate expiry dates, flagging likely counterfeits.
PythonFastAPIGemini VisionOCR
View on GitHub →
Dhaka Traffic Optimizer illustration
Personal Project · Urban Analytics
Dhaka Traffic Optimizer
Traffic and transit optimization for Dhaka using real OpenStreetMap road networks and XGBoost-based congestion forecasting, presented through a Next.js dashboard with interactive maps.
Next.jsXGBoostOpenStreetMapPython
View on GitHub →
CV–JD Matcher illustration
Personal Project · NLP Tool
CV–JD Matcher
Fully client-side CV-to-job-description matcher combining TF-IDF similarity with a skill taxonomy — no backend, runs entirely in the browser, deployable to Hugging Face Spaces.
JavaScriptTF-IDFNLP
View on GitHub →
Real-Time Fraud Detection — bKash Transactions illustration
Banking · Fraud & Risk
Real-Time Fraud Detection — bKash Transactions
Behavioral and transactional feature engineering to identify suspicious mobile-financial-services activity in near real-time while reducing false positives.
PythonScikit-learnSQLProduction ML
ATM Cash-Loading Optimization illustration
Banking · Forecasting
ATM Cash-Loading Optimization
Forecasting model for branch-level cash demand that reduced idle cash and cash-out incidents while improving provisioning efficiency.
Time-SeriesProphetSQLPower BI

Earlier academic work

Full-stack, mobile, and database projects from B.Sc. coursework and freelance work.

SAir AIR BD LTD — Official Website illustration
SAir AIR BD LTD — Official Website
HTMLCSSJavaScriptPythonDjango
Face Encoding with Emotion Recognition illustration
Face Encoding with Emotion Recognition
PythonJupyter Notebook
BMI & CGPA Analysis Based on Personality illustration
BMI & CGPA Analysis Based on Personality
PythonJupyter Notebook
Banking Management System illustration
Banking Management System
JavaNetBeans
Talks & Teaching

Teaching, Talks & Recognition

Sharing what I've learned in classrooms, on stage, and in the press.

MilestoneDec 2025

Completed ACMP 4.0

Institute of Business Administration, University of Dhaka

Finished the Advanced Certificate for Management Professionals, covering modern management theory and its practical application in organisations.

See the post
MilestoneOct 2025

Oracle OCI 2025 Certified Generative AI Professional

Oracle University

Earned Oracle's professional-level certification in generative AI on Oracle Cloud Infrastructure.

See the post
PressFeb 2025

From data to decisions: A beginner's guide to data visualisation

The Daily Star

Quoted as an expert on how visualisation turns complex data into faster decisions, and where beginners should start: SQL, small projects, and storytelling with data.

Read the article
JudgeOct 2024

Judge — 1st Data Innovators Challenge

AI Expert Career · hosted at DIPTI, Dhaka

One of three judges for Bangladesh's first data competition for students and freshers: 40 universities, 74 individual entrants and 40 teams over five days.

See the post
TalkOct 2024

Exploring Data Analytics: Basics & Career Opportunities

UITS IT Club · Department of IT, UITS · AI Expert Career

Seminar for university students on data analytics fundamentals, career pathways into the field, and lessons from working in industry.

See the post
TalkSep 2024

Guest Speaker — Data Analysis Seminar

Dhaka College Data Analytics Club (DCDAC)

Invited guest speaker for club members starting out in data analysis.

See the post
Toolbox

Skills & Technologies

11 areas, 65 tools and technologies — from classical ML to production data platforms.

Programming 5
PythonRSQL / PL-SQLJavaC
Machine Learning 10
XGBoostLightGBMRandom ForestSVMKNNLogistic & Linear RegressionK-MeansScikit-learnRFM AnalysisModel Explainability (SHAP/LIME)
Deep Learning & AI 8
TensorFlowKerasCNNsRNNs / LSTMsTransfer LearningNLPComputer VisionGenerative AI / LLMs
Data Science 10
PandasNumPyMatplotlibSeabornPlotlySciPyOpenCVProphetARIMAFeature Engineering
Databases 9
OraclePostgreSQLMySQLPL/SQLT-SQLStored ProceduresQuery OptimizationDatabase DesignETL
Data Migration 2
AWS Database Migration ServiceDBConvert
Visualization & BI 8
Power BITableauLooker StudioMetabaseSupersetDAXDashboard DesignData Storytelling
Reporting 4
Crystal ReportsMS OfficeAdvanced ExcelReport Automation
Web 3
HTMLCSSJavaScript
MLOps & Deployment 3
GitModel DeploymentCI/CD Pipelines
Tools 3
ClickUpNotionAzure DevOps
Research

Publications

22 peer-reviewed works in machine learning, deep learning, and computer vision. Citation metrics on Google Scholar, full-text PDFs on ResearchGate.

Journal Articles5

A Survey on Dimensionality Reduction Techniques for Time-series Data
IEEE Access
Apr 2023 View →
An Approach to Facilitate Business System by Multiple Barcode Detection using Faster RCNN
International Journal of Applied Information Systems (IJAIS), Vol. 12, No. 26
Dec 2019 View →

Conference Papers12

A Framework for Lung Cancer Detection at Early Stages with IoT and Decision Support System
IEEE 3ICT — Bahrain
Nov 2023 View →
An Automated System in ATM Booth Using Face Encoding and Emotion Recognition Process
ACM IPMV — Thailand
Aug 2020 View →

Book Chapters3

An Exploration of Machine Learning and Deep Learning-Based Diabetes Prediction Techniques
Springer — Emerging Technologies in Data Mining and Information Security (AISC)
Sep 2022 View →
Artistic Natural Images Generation Using Neural Style Transfer
Springer — Emerging Technologies in Data Mining and Information Security (AISC)
2021 View →

Abstracts & Short Papers2

Empowering Bangladesh with the Aid of Artificial Intelligence & Industry 4.0
Academia Letters
Aug 2021 View →
A Study to Test the Performance of Different Classifiers for Predicting Major Common Diseases
6th International Conference on Natural Science and Technology (ICNST) — Bangladesh
Mar 2019 View →
Credentials

Education & Certifications

2020 – 2022
M.Sc. in Computer Science and Engineering — Data Science
United International University
MSCSE Scholarship, Fall 2020 Trimester · Coursework complete, thesis pending
Jun 2015 – Jul 2019
B.Sc. in Computer Science and Engineering
Ahsanullah University of Science and Technology
Thesis: A Study on Image Processing to Facilitate Business System by Multiple Barcode Detection
Jul 2025 – Sep 2025
Advanced Certificate for Management Professionals (ACMP) 4.0
Institute of Business Administration, University of Dhaka

Certifications

Contact

Have a data problem worth solving? Let's talk.

Open to full-time roles, consulting, and research collaboration in AI/ML.