Mujahid Merchant

Professional Summary

Regime AI Researcher | Risk Pricing and Trust | AI in Finance | Blockchain Strategy
5 years at Emirates Islamic Bank (Dubai) in credit operations and operational risk, recognized as a 2x GEM Award winner for operational excellence.
Published author with Springer chapters (2025, 2026) and active writer on Medium with a focus on AI, climate risk, and financial systems.
Peer reviewer and program committee contributor across IEEE and international venues.

I am an independent researcher working at the intersection of financial risk, machine learning, and transparent financial infrastructure. My focus is on regime aware AI methods that translate non stationary macro and climate shocks into practical signals for risk pricing, credit decisions, and trust oriented reporting. This research direction connects my work across climate resilient credit modeling, securitization and asset backed financing, exchange rate regimes, and blockchain enabled transparency.

My peer reviewed publications include Springer work spanning 2025 and 2026, covering blockchain based finance and applied research in climate risk and exchange rate driven pricing. I also have upcoming IEEE oriented work, including VoxTransmute: Transformation First Waveform to Codebook Pipeline for Speaker Recognition and Regime Detection in Non Stationary Time Series Using Hidden Markov Models and Support Vector Machines.

Alongside research, I contribute as a peer reviewer and program committee member, supporting rigorous evaluation of manuscripts and strengthening research quality. I bring a strong execution mindset from banking, with hands on expertise in credit processing, customer service, and operational controls. My broader goal is to build intelligent financial systems that are explainable, resilient under distribution shifts, and trustworthy in real world deployment.