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Nikhil Gnanavel

Credit Risk Infrastructure · Agentic AI · Life Sciences
Senior Manager @ RBC · Toronto → North America · IIT Guwahati · UdeM M.Sc.

I build the infrastructure that gets AI into production inside regulated environments — decision strategy engines, MCP agent frameworks, feature stores for LLM-queryable analytics, and the SDLC guardrails that keep all of it compliant. Not a researcher. Not a consultant. Someone who ships.


What I build

Credit Risk Infrastructure

Productionalizing strategies & models across retail credit portfolios. Feature harmonisation pipelines that make credit risk signals queryable by conversational AI. Legacy system decommissioning with regulatory artefact management.

Domain: Retail credit Strategies & Models · Product Owner · AI-enablement

Agentic AI Systems

MCP agents that reduce deployment errors and tighten change management inside Agile delivery cycles at a Big 5 bank. Bioinformatic ML pipelines. RAG systems over structured financial and clinical data.

Stack: Python · MCP · LangChain · SQL · PowerBI · Agentforce

Life Sciences × Data

IIT Guwahati biotech foundation + M.Sc. in molecular biology and cellular medicine + 14 months in clinical research operations. Published in neuroimmunology. Eyes on AI applications in drug discovery and clinical data infrastructure.

Domain: Genomics · Clinical ops · HIPAA · ALCOA


Current stack

Language      Python · SQL · DAX · VBA
AI/Agents     MCP · LangChain · LlamaIndex · OpenAI API · Anthropic API
Data          Snowflake · MySQL · PowerBI · Pandas · NumPy · BioPython  
Infra         Agile/SAFe · D365 · LIMS · Azure DevOps
Risk          Decision trees · Scorecards · OSFI E-23 · HIPAA · PHIPA · HL7
Methods       DMAIC · Lean Six Sigma · Kaizen · A/B testing

Career arc

2015 → 2019   B.Tech Biotechnology · IIT Guwahati ·
              Published: J Immunol 2020 — neuroimmune axis regulation

2019 → 2021   M.Sc. Molecular Biology & Cellular Medicine · UdeM / IRCM ·
              Research: sex-difference in MAFLD-based liver cancer progression

2020 → 2024   CellCarta Biosciences — Lead Scientist → Global Operations Analyst
              10+ product features · $0.5M value capture · D365 · HIPAA/PHIPA compliance

2023 → 2024   DigitalDx Ventures — Venture Analyst (part-time)
              Femtech & medical diagnostics · due diligence · deal sourcing

2024 → 2025   Independent — Biotech & Startup Advisor
              AI governance frameworks · fundraising · go-to-market

2025 → now    RBC — Credit Retail Risk Infrastructure
              Decision strategy deployment · MCP agents · feature store build · legacy migration

Selected work

Project What it does
Seq2Feature Bioinformatics ML pipeline — ETL from genetic sequences to ML-ready features using Pandas, NumPy, BioPython
Nucleus Segmentation Computer vision pipeline for histological image analysis
AI-based projects Ongoing

Publication

Gnanavel N. et al. "Neuroimmune/Hematopoietic Axis Regulation by High-Mobility Group Box 1 and Tachykinin Peptides."
Journal of Immunology, vol. 204, no. 4, 15 Feb. 2020. → Link

Precision and Genomic Medicine · UCSF · 2020


What I'm building toward

The gap I keep running into: banks and fintechs have the models. They don't have the infrastructure to get those models into production in a way that survives a regulatory audit, a change freeze, and a 3am incident simultaneously. That gap — between AI capability and AI deployment in regulated environments — is what I'm focused on closing.

Long-term: I want to work at the intersection of credit risk infrastructure, agentic AI deployment, and healthcare data systems — the three sectors where the cost of getting AI wrong is high enough that human-in-the-loop engineering will always matter.


Connect

I'm not on here to network broadly. If you're working on something at the intersection of production AI deployment, credit infrastructure, or clinical data systems — and you want to have a real conversation about what that actually looks like inside a regulated environment — reach out.

LinkedIn


Toronto · Building in public where I can · last updated Jun 2026

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