A banking professional, Economics and data science Enthusiast with over a decade of expertise in Credit Risk Management, Regulatory Compliance, and process automation - bridging domain knowledge with modern AI and machine learning capabilities across Bangladesh's leading financial institutions. I am actively searching for opportunities to pursue a PhD in Economics and Data Science to advance my research at the intersection of behavioral finance, climate risk, and neuroeconomics, and AI.
A banking professional with over ten years in Bangladesh's financial sector, economics enthusiast, economic researcher, and data science enthusiast - and an IBM-certified data scientist & AI Engineer - navigating the intersection of regulatory finance, machine learning, and economic research.
A banking professional, economics enthusiast, economic researcher, and data science enthusiast - and an IBM-certified data scientist - navigating the intersection of regulatory finance, economic research, and machine learning. With over 10 years of proven expertise in Regulatory Reporting, Credit Documentation, Loan Classification, and Credit Risk Management across Bangladesh's leading financial institutions - BRAC Bank, Meghna Bank, Prime Bank, Bengal Commercial Bank, and Bank Asia PLC.
I completed my M.Sc. in Economics (CGPA: 3.93 / 4.00, 2026) at Bangladesh University of Business and Technology, further deepening the macroeconomic analytical framework that underpins my work in banking regulation and credit policy. My main focus is economic research - examining how regulatory frameworks, climate risks, and behavioural dynamics shape financial outcomes - with data science and machine learning serving as powerful complementary tools in that inquiry.
Holding IBM Professional Certifications in Data Science and AI Engineering with 18 credentials accredited by the American Council on Education (ACE), I bring rigorous quantitative methods - machine learning, deep learning, and panel econometrics - to economic and financial research questions that matter.
My career is further defined by a commitment to automation and systems innovation: real-time loan classification systems, in-house regulatory portals, CIB batch contribution pipelines, and compliance modules adopted institution-wide across multiple banks.
Economics is my primary intellectual home. My research examines the macroeconomic and financial dimensions of pressing real-world challenges - from Bangladesh's banking sector ESG readiness and Green Finance integration, to the causal effects of climate-induced migration on banking fragility in South Asia, to the behavioural and neuroeconomic forces that shape rural household financial decisions. I approach these questions as an economist first: building theoretical grounding, applying panel data methods, causal inference frameworks, and structural econometric analysis to generate evidence that can inform policy.
Within economics, my specific areas of focus include monetary economics and banking regulation, environmental and climate economics (particularly the nexus of climate risk and financial sector stability), behavioural and neuroeconomics (decision-making under uncertainty in low-income contexts), and development economics (financial inclusion, rural credit markets, and sustainable finance in Bangladesh and South Asia).
I have completed my M.Sc. in Economics at BUBT (CGPA: 3.93 / 4.00, 2026), with the ambition of contributing original empirical and theoretical research to these fields - building on my published work at ICBISD 2026 and my thesis on neuroeconomic AI models for rural financial decision prediction. My longer-term goal is to pursue a PhD in Economics and Data Science, deepening this interdisciplinary research agenda - applying advanced econometric and machine learning methods to questions of climate risk, financial fragility, and rural financial inclusion.
Data science and machine learning serve as powerful complementary instruments within this economic research programme. My IBM certifications in Data Science and AI Engineering - covering Python, SQL, Random Forest, XGBoost, Neural Networks, Deep Learning (Keras, PyTorch, TensorFlow), and Computer Vision - allow me to extend traditional econometric methods with predictive modelling and large-scale data analysis. These tools enrich my economics research rather than replace it: the questions remain economic, and the methods expand what is answerable.
Regulatory Expertise: Expert in CL classification, CIB reporting, CRAR, ICAAP, CAMELS, Stress Testing, SBS reports, ISS, and Bangladesh Bank guidelines across the full spectrum of regulatory obligations.
Technical Automation: Track record of automating complex banking workflows - real-time CL systems, CIB portals with SQL scripting, SBS-3 automation, and ISS report generation - across multiple institutions.
Data Science & AI: Proficient in Python, SQL, Machine Learning (scikit-learn), Deep Learning (Keras, PyTorch, TensorFlow), Data Visualization, and Computer Vision - applied to financial data contexts.
Training & Leadership: Experienced internal trainer on Credit Classification, Provisioning, NPL Management, ISS Reporting, and CIB systems. Also served in community and leadership roles in civic and religious organizations.
A strong foundation built from secondary school through graduate studies - complemented by professional training, published research, and institutional recognition.
Over a decade across five of Bangladesh's leading financial institutions, progressing from regulatory reporting to credit risk management.
Specialized in Regulatory Reporting, Loan Documentation, and Credit Compliance across the full spectrum of Bangladesh Bank reporting obligations.
Officer in the Credit Administration Division, supporting regulatory compliance and credit operations throughout the bank's early growth phase.
Focused on improving efficiency and compliance within the Credit Administration Division at one of Bangladesh's leading private commercial banks.
Built foundational expertise in loan documentation and credit compliance. Developed the Real-Time Classification of Loans (CL) System - subsequently adopted and under further development at later institutions.
Established core competencies in Bangladesh Bank regulatory reporting. Key achievement: Restructured the Credit Information Bureau (CIB) Module as per Bangladesh Bank guidelines - the first major systems contribution of a decade-long career in regulatory compliance.
Active researcher in Green Finance, Climate Risk, and Neuroeconomic AI - with two peer-reviewed papers praised by reviewers, international conference presentations, and an ongoing M.Sc. thesis. Aspiring PhD candidate in Economics & Data Science.
18 IBM credentials issued via Coursera (April 2023 – December 2025), accredited by the American Council on Education (ACE). credly.com/users/albart-jeckson-biswas
2 specialist programmes
Whether you are considering a research collaboration, PhD supervision, or simply wish to connect - I welcome the opportunity to discuss my academic interests, PhD Opportunities in Economics & Data Science, banking expertise, and data science capabilities.