Tochi Ebere Data Scientist, Machine Learning Engineer

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Data Scientist

Credit Direct Finance Company Limited (Subsidiary of FCMB Group)

Apr 2025 - Current (1 year 3 months)

Developed ClaraAI Reporting System, an Agentic Al workflow (LangGraph) that automates BigQuery data analysis and visualization to provide daily strategic AI-powered insights and disbursement forecasting, reduced manual reporting time by 95%, and supported progress toward the N1B/day disbursement target. Built an end-to-end customer churn prediction solution using transactional and behavioral data on Amazon SageMaker, achieving 81% AUC/ROC, enabling targeted retention campaigns that protected ₦190 million in at-risk revenue. Implemented production monitoring and automated retraining triggers to ensure sustained model performance and proactive customer retention. Integrated SHAP-based local explainability to isolate personalized churn trigger

Data Scientist

Access Bank PLC

Aug 2023 - Apr 2025 (1 year 9 months)

Developed an AI threat intelligence solution, that identifies and reports on cyber threat actors specific to the region and industry. Leveraged GPT-40 and LangChain. Developed an LLM RAG application, leveraging GPT-40 and LangChain, to assist the credit analysts in the loan underwriting process, to cut down the time to loan approval from 3 weeks to 4 days. Led the development of a machine learning model for predicting the next transaction date for recurring transactions using Azure ML. Led a project utilizing NLP techniques and Large Language Models (LLM) to extract customer interests from transaction narrations, pivotal for the bank's data monetization strategy. Employed LangChain and Llama3 to analyze transaction data, enabling actionable

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Data Scientist

Trade Depot

Apr 2022 - Jul 2023 (1 year 4 months)

Developed and implemented machine learning models for credit risk assessment on AWS Sagemaker. Improved the existing credit scorecard to assess customer probability of default, reducing default rates by 12%. Developed early settlement scorecards to predict and encourage early loan repayments, increased early settlements by 20%. Built a collection scorecard to enhance the efficiency of debt recovery processes, and improved collection rates by 15%. Designed a next-best offer scorecard to personalize credit offerings, resulting in a 40% increase in credit uptakes. Developed and maintained dashboards that were used for monitoring the performance of the scorecards

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Machine Learning Engineer

Determinas

Sep 2020 - Jan 2022 (1 year 5 months)

Developed machine learning models such as Text Recognition for integration into a Digital Operating Platform. Developed and containerized RESTful APIs for increased scalability for AI models using FastAPI and Docker. Developed SQL and Python scripts to automate the ingestion and processing of data from a database to be consumed by downstream operations

Tochi Ebere

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