Introduction
Fayzullakhuja is the technical architect behind ScoreTech's AI-powered credit scoring engine. As Lead Developer, he designed and built the machine learning algorithms that reduced network defaults from 12% to 5%, achieving 89% model accuracy on real-world data. His deep expertise in artificial intelligence, data science, and system architecture transformed informal retailer collaboration into a sophisticated fintech platform
Working Experience
Fayzullakhuja developed ScoreTech's core ML model using XGBoost algorithms trained on 185,000+ credit applications, creating a scoring system that processes decisions in seconds while maintaining high accuracy. His technical innovations include the OCR document processing system that automatically extracts data from government IDs and income proofs, reducing manual errors and accelerating application processing. He built the platform's dual-architecture system that separates POS data entry from back-office decision engines, ensuring security while maintaining real-time performance. His database design enables cross-store intelligence sharing while protecting sensitive partner data through sophisticated access controls and encryption.
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