Er. Puspa R Upadhayay

Professional Background

Engineering Excellence
in AI-Powered Banking

A results-driven IT Engineer and Fintech Practitioner with over 8 years of experience in the banking sector, now specializing in AI/ML applications for financial services. Currently working as a Data Engineer at NMB Bank Ltd., I combine expertise in Digital Banking, Core Banking Systems (Finacle), and advanced AI/ML technologies to drive intelligent automation and data-driven decision making. With a strong academic foundation — an MBA (GPA 3.68) and a Bachelor's in Computer Engineering — I bridge technology, finance, and artificial intelligence to deliver measurable business outcomes across Nepal's banking landscape.

Currently spearheading data and AI initiatives at NMB Bank Ltd., following an impactful 8-year tenure at Prabhubank where I architected digital banking infrastructure and pioneered AI adoption for fraud detection and automation.

Let's Innovate

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AI Specialization

ML, LLM, Predictive Analytics

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Current Position

Data Engineer & AI Specialist

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Previous Role

IT Engineer at Prabhubank (8 yrs)

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Education

MBA (3.68 GPA) + B.E. AI Focus

What I Offer

AI-Powered Expertise
in Fintech & Banking

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AI Banking Solutions

Implementing machine learning models for credit scoring, fraud detection, and customer behavior prediction in banking.

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Digital Banking

End-to-end digital banking transformation, channel management, and mobile/internet banking.

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Core Banking (Finacle)

Implementation, customization, and ongoing support of Finacle CBS in banking environments.

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LLM Integration

Deploying Large Language Models for customer service automation, document processing, and intelligent assistants.

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Data Engineering & AI

Designing data pipelines, ETL processes, and AI/ML infrastructure for banking data and analytics.

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System Integration

API-based and middleware integration across heterogeneous banking and fintech platforms.

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Business Automation

Automating manual workflows with AI-powered solutions to improve efficiency and reduce errors.

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AI Project Management

Leading cross-functional AI/ML projects from conception through deployment in banking.

AI Innovation

Featured AI/ML Projects
in Banking

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Credit Risk Assessment Model

Developed and deployed ML models for real-time credit scoring, reducing default rates by 23% while increasing approval speed by 60%.

Python Scikit-learn XGBoost FastAPI

23% reduction in defaults

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AI-Powered Customer Service Bot

Implemented an LLM-based chatbot handling 40% of routine customer queries, integrated with core banking APIs for transaction support.

LLM RAG Vector DB REST APIs

40% query automation

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Fraud Detection System

Built real-time anomaly detection system using ensemble learning, identifying suspicious transactions with 94% accuracy.

TensorFlow Isolation Forest Kafka PostgreSQL

94% detection accuracy

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Customer Churn Prediction

Created predictive models to identify at-risk customers, enabling proactive retention strategies that reduced churn by 18%.

Python Neural Networks Tableau Airflow

18% churn reduction

Career Journey

Professional Experience

Jun 2025 – Present 10 months Full-time

Data Engineer & AI Specialist

NMB Bank Ltd.

Kathmandu, Nepal

Leading data engineering and AI initiatives at one of Nepal's prominent commercial banks. Designing and maintaining data pipelines, implementing machine learning models for risk assessment and customer analytics, and driving AI-powered digital transformation across banking operations.

Data Engineering Machine Learning AI Integration Digital Banking Predictive Analytics LLM Applications

Jul 2017 – Jun 2025 8 years Full-time

Information Technology Engineer

Prabhubank

Kathmandu, Nepal · On-site

Served as a core IT Engineer over an 8-year tenure — managing Finacle CBS implementation, system integrations, digital banking channels, and business automation. Pioneered early AI adoption for fraud detection and customer service automation.

Finacle CBS System Integration Digital Banking IT Infrastructure AI Prototyping Project Management

Technical Proficiency

Skills & Competencies

Data Engineering 90%

Machine Learning 50%

Deep Learning 40%

LLM & Generative AI 60%

Finacle CBS 95%

Digital Banking 92%

Predictive Analytics 84%

System Integration 88%

Project Management 85%

Business Automation 83%

SQL / Databases 82%

Python / AI Stack 80%

Cybersecurity 72%

Data Analytics 80%

Academic Foundation

Education & Qualifications

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Master's Degree — MBA

Business Administration, Management & Operations

Lincoln University College

Aug 2020 – Jan 2023 GPA: 3.68

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Bachelor's Degree — Computer Engineering

Computer Engineering with AI Specialization

Pokhara Vishwavidalaya

Aug 2012 – Jan 2017 GPA: 3.76

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Higher National Diploma

Computer Science

Radiant Higher Secondary School

Jun 2010 – Aug 2012 71%

Professional Development

Licenses & Certifications

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Prompt Engineering: Ethical Hacking & Generative AI Fusion

Codecademy

Issued Feb 2026

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Machine Learning Specialization

DeepLearning.AI

Issued Nov 2025

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Deep Learning & Neural Networks

Tutorialpoint

Issued Aug 2025

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Generative AI for Business

Google Cloud

Issued May 2025

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JavaScript, Bootstrap & PHP for Beginners

Udemy

Issued May 2020

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The Threat Landscape

Fortinet

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The Fundamentals of Digital Marketing

Google

Issued Apr 2020

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COVID-19: Operational Planning Guidelines

World Health Organization

Issued Apr 2020

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Global Cybersecurity Summit 2018

NAST Nepal

Issued Jun 2018

Get In Touch

Let's Innovate Together

Whether you're exploring AI applications in banking, need expertise in fintech systems, or want to discuss machine learning solutions — I'm here to help transform your vision into reality.

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Location

Kathmandu, Nepal