Ethoslytics-Credalytics Research Team
A multidisciplinary team of researchers, developers, and domain experts working together to revolutionize credit assessment for unbanked women.
Faculty Advisors
Strategic Mentor
Finance & Banking
Providing strategic guidance on credit risk modeling, ensuring alignment with central bank policies, and facilitating the peer-review process for financial journals.
Faculty Advisor
Data Science/CSE
Supervision of machine learning model integrity, algorithmic transparency, and technical documentation for high-impact journals.
Econometric Advisor
Economics
Provides guidance on statistical rigorousness, regression models, and socio-economic impact validation for top-tier journals.
Founding Leadership
Md Golam Mubasshir Rafi
Project Architect & Founding Lead
Original concept creator and visionary of the Credalytics framework powered by the Ethoslytics engine. Responsible for the core financial logic, strategic wing coordination, manuscript synthesis, and institutional liaison.
Afshara Tasneem Zoa
System Architect & Founding Technical Member
Co-founder and lead architect of the foundational technical logic. Responsible for translating research goals into AI architecture, ensuring system feasibility, and guiding the development of the 'Glass Box' simulation engine.
Project Wings
Finance & Banking Strategy Wing
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Lead Banking Strategist
4th Year/Senior
Aligning the framework with Bangladesh Bank's SME & MFS policies and ensuring commercial viability for the banking sector.
Senior Credit Risk Analyst
3rd/4th Year
Designing the weighted scoring parameters and mathematical probability models for loan repayment.
Market Insight Officer
2nd/3rd Year
Conducting background research on existing MFS loan gaps and identifying alternative data points in the informal economy.
AI & Technical Execution Wing
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Lead Machine Learning Engineer
4th Year/Senior
Implementing and optimizing high-precision algorithms (XGBoost/Random Forest) and ensuring technical rigor for publication.
Full-Stack Simulation Developer
2nd/3rd Year
Developing the interactive 'Glass Box' simulation dashboard for real-time visualization.
Data Integrity Engineer
2nd Year
Managing data flow, ensuring database security, and assisting in the technical documentation of the algorithm.
Statistical & Econometric Validation Wing
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Senior Econometrician
4th Year/Senior
Performing rigorous regression analysis (STATA/SPSS) to validate the statistical significance of 'Alternative Data.'
Data Analyst
2nd/3rd Year
Assisting in data preprocessing, statistical testing, and visualization of econometric results.
Policy, Ethics & Legal Wing
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Lead Compliance Officer
4th Year/Senior
Ensuring data collection aligns with the Bangladesh Data Protection Act and international ethical guidelines.
Regulatory & Ethics Analyst
2nd/3rd Year
Drafting the 'Algorithmic Transparency' report and investigating the legal liability of automated financial decisions.
Research Support & Associate Wing
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Junior Research Associates / Volunteers
Open Discipline - Flexible
This wing is dedicated to students from any background who wish to learn and contribute. Assisting in field data entry, documentation, literature archiving, and supporting the primary wings. This role focuses on peer-to-peer learning and gaining exposure to multidisciplinary research workflows.
Intellectual Property Note
The core research idea and the "Credalytics framework powered by the Ethoslytics engine" framework originated from the Founding Leadership. The execution and technical refinement are carried out through collaborative multidisciplinary teamwork under the direct supervision of the Faculty Advisory Board.
Join Our Research Team
We are actively seeking qualified mentors and team members to join our multidisciplinary research team. Whether you're a student, faculty member, or industry professional, your expertise can contribute to revolutionizing credit assessment for financial inclusion.
Interested in joining?
Contact us at: rafi@gmrafi.com.bd
Include your background, interests, and how you'd like to contribute to our research framework.