I build credit scoring and loan default prediction models that help lenders approve more good borrowers, cut losses, and make underwriting decisions they can stand behind. I work in Python, and I focus on models that go into production not prototypes that get shelved.
Before Upwork, I spent three years as an in-house Data Scientist at Ameriabank, one of Armenia's largest banks, building forecasting and risk models used in live operations. That experience shapes how I work: I care as much about how a model holds up over time and under review as I do about its accuracy on day one.
I usually work with:
— Fintech and alternative/SME lenders building or improving credit decisioning
— Banks and credit unions that need scorecards built, rebuilt, or validated
— Risk and analytics teams that need an extra pair of expert hands
What I typically deliver:
— Credit scoring and application/behavioral scorecards
— Loan default prediction and PD models
— PD / LGD / EAD modeling and IFRS 9 ECL work [ADD REAL PROJECT DETAIL]
— Model validation, monitoring, and clear documentation
— Risk segmentation and lending portfolio analytics
— Fraud detection models for lending
— Risk dashboards and SQL/Python pipelines that replace fragile Excel reporting
Tools I rely on: Python (pandas, scikit-learn, statsmodels), XGBoost, LightGBM, logistic regression, and SQL, with FastAPI and Docker when something needs to be deployed.
A few honest signals: Top Rated Plus, 100% Job Success, and $40K+ earned on Upwork. On a recent credit scoring project the client's feedback was simply "Highly recommended," and another noted my "amazing knowledge in ML and DS." [ADD REAL METRIC e.g. Gini/AUC, default-rate reduction, or approval-rate lift]
How I work is straightforward: a short scoping call, then a clear plan with an honest estimate, then iterative delivery with documentation your team and any reviewer can actually follow. If something isn't the right fit for me, I'll tell you.
Send a short message with your problem, your data, and your timeline. I usually reply within a few hours. The first 15-minute scoping call is free.
Machine Learning
Credit Scoring
Risk Analysis
Data Science
Python
Financial Analysis
Data Analysis
Statistics
Predictive Modeling
Fraud Detection
SQL
XGBoost
Financial Modeling
Time Series Forecasting
Data Visualization
Data Science Consultation
MLflow
Opportunity Scoring
Risk Management
Babken K.
Yerevan, Armenia
$20/hr
5.0
2 jobs
Machine Learning Engineer with 4+ years of hands-on practice in Computer Vision, Deep Learning, and Python development. Experienced in building end-to-end AI solutions, model training, data analysis, deployment pipelines, and cloud-based ML systems using AWS, Docker, and MLOps tools. Strong background in PyTorch, TensorFlow, SQL, and production-ready automation workflows.
Machine Learning
Deep Learning
Machine Learning Model
Data Analysis
Artificial Intelligence
Python
pandas
Computer Vision
Keras
TensorFlow
Nikolai K.
Yerevan, Armenia
$85/hr
5.0
15 jobs
I worked at largest European tech companies and YC startups. I have ML education from a top uni. I have 8+ years of ML experience. Bargain! 😉
Here's what I can do for you:
- Analyze business problem and build a suitable AI solution
- Quickly implement a prototype and outline a plan for future improvements
- Analyze related research and conduct experiments in search of quality gains
- Build solid data pipelines for continuous training and deployment
- Interview ML candidates and provide mentorship for junior team members
Working in large companies, I've trained large language models myself, which helps me to understand what makes an LLM tick. I worked on a web-scale RAG system at a major search engine company before this term was popular.
I am a generalist, proficient with Python, but also capable with Rust, C++, Javascript. I can serve as a fractional CTO, capable both as a leader and as a highly efficient individual contributor.
Machine Learning
Neural Network
Natural Language Processing
Python
PyTorch
TensorFlow
Artificial Intelligence
Large Language Model
Rust
Retrieval Augmented Generation
AI Agent Development
Chatbot
Vector Database
Vector Embedding
Lusine E.
Yerevan, Armenia
$15/hr
5.0
13 jobs
I am a Python developer with an experience of more than four years. I worked on solving Machine learning problems using both classical ML algorithms and Deep Learning. I also have experience in web development and web scraping.
Machine Learning
Deep Learning
Python
pandas
NumPy
Deep Learning Modeling
TensorFlow
RESTful API
API
Django
Object-Oriented Programming
Algorithm Development
Data Structures
Web Scraping
Deep Learning Framework
Nikita F.
Yerevan, Armenia
$50/hr
5.0
32 jobs
I'm a Senior Python Developer & Machine Learning Engineer with over 15 years of experience building high-performance, scalable backend systems and deploying production-grade AI solutions.
I specialize in:
AI Agents using LangChain, OpenAI APIs, and custom tools
ML Systems for Computer Vision, OCR, and image enhancement (GANs, segmentation, stylization)
Backend Engineering with FastAPI, Django, PostgreSQL, and scalable cloud deployments (AWS, Docker, Kubernetes, Nvidia Triton)
From leading startup teams and migrating legacy systems to cloud-native infrastructure, to shipping ML services used in real-world products — I deliver end-to-end solutions that are robust, maintainable, and scalable.
🧠 Technical Focus
Languages & Frameworks: Python, FastAPI, Django, Scrapy, Flask
AI/ML: PyTorch, TensorFlow, OpenCV, LangChain, OpenAI, Numpy, Scikit-learn
DevOps & Cloud: AWS, Docker, Ansible, Kubernetes, Redis, RabbitMQ, Nvidia Triton
Databases: PostgreSQL, MySQL, MongoDB, FAISS, Milvus
Frontend (as needed): React, HTMX, JS, jQuery
💼 What You Can Expect
✅ Clean, production-grade code
✅ Scalable architecture with CI/CD and cloud-native design
✅ Deep understanding of both traditional backend and cutting-edge AI systems
✅ Strong communication and fast iterations
Let’s build something powerful — whether you're launching a new AI product or scaling an existing system.
PostgreSQL
Django
SQL
MySQL
Python
Data Analysis
Google Maps API
JavaScript
jQuery
Google App Engine
Harry Harutyun H.
Yerevan, Armenia
$40/hr
5.0
4 jobs
Hello, my name is Harry(Harutyun)
I am a highly skilled software engineer with extensive experience in Python and Go for backend development. I have a strong background in solving machine learning related problems and working on data engineering tasks. My passion for building robust and scalable software systems has led me to develop an expertise in building efficient and performant backend services.
Throughout my career, with over 10 years of experienceI have gained hands-on experience in designing, developing, and deploying large-scale applications in a variety of industries. I am also skilled in designing and implementing software architectures that can handle complex data processing and analysis. In addition to my technical skills, I possess excellent communication skills, allowing me to effectively collaborate with stakeholders and understand their requirements.
I have experience working with cloud technologies such as AWS, Azure, and GCP, and have developed expertise in designing and deploying applications in these environments. I have worked with various cloud services such as EC2, S3, Lambda, Azure App Service, Azure Functions, GCP Compute Engine, and GCP Cloud Functions.
I have also worked with various data storage technologies in cloud environments, such as AWS S3, DynamoDB, Azure Cosmos DB, and GCP Datastore. Additionally, I have experience with containerization technologies such as Docker and Kubernetes, and have deployed applications on AWS ECS, Azure AKS, and GCP Kubernetes Engine.
I am passionate about writing clean, efficient, and maintainable code, and love to work collaboratively with cross-functional teams to deliver high-quality products. I am constantly learning and keeping up with the latest industry trends and have a solid understanding of software development best practices.
With my expertise in both Python and Go, I can provide end-to-end solutions for your project, from developing APIs to deploying and scaling them. I am excited to take on challenging projects and deliver exceptional results.
In summary, if you are looking for a skilled and experienced software engineer who can help you solve complex problems, design and develop scalable applications, and deploy them in cloud environments such as AWS, Azure, or GCP, then I am the right person for the job.
Skills:
- Python | Django, Flask, FastAPI, Airflow, Metaflow
- Complex distributed systems
- Go | Gin, Echo
- Machine Learning | PyTorch, Keras, Tensorflow, Scikit learn
- Socket programming | low-level networking
- Bash
- DevOps(Docker, Kubernetes, Jenkins)
- Linux system administration
You can expect professional attitude, my ability to work 8 hrs/day, clean code, optimal solutions.
Machine Learning
PyTorch
Python
SQL
Apache Airflow
Django
Data Lake
Microsoft Azure
Golang
Amazon Web Services
ETL Pipeline
Data Engineering
Google Cloud Platform
Data Scraping
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