Summary
Kung-ching Lin is a Staff Research Scientist and applied mathematician with eight years of experience specializing in machine learning, probability, and statistical methods for credit underwriting. At Upstart he has driven measurable improvements to credit-worthiness models by introducing novel modeling techniques and standardizing research procedures to accelerate experimentation. His academic work—PhD in Mathematics from University of Maryland and a prior visiting professorship—focused on the approximation power of deep networks and deterministic sampling schemes, insights he brings to production ML problems. Comfortable with Python, SQL, and numerical analysis, he bridges rigorous theory and practical deployment to extract signal from high-dimensional financial data. An uncommon strength is his track record of proving when deep models can beat the curse of dimensionality, which informs robust feature and model design in real-world lending systems.
8 years of coding experience
4 years of employment as a software developer
Bachelor's degree, Mathematics, 3.99/4.00, Bachelor's degree, Mathematics, 3.99/4.00 at National Taiwan University
Doctor of Philosophy - PhD, Mathematics, 4.00/4.00, Doctor of Philosophy - PhD, Mathematics, 4.00/4.00 at University of Maryland
Chinese, English, Japanese