Umer Cheema
Honours CS & Financial Management · Waterloo
Seeking Winter 2027
Experience
Section 01 / 04
4 Terms
4 Terms
MCB BankJul–Sep 2026
Summer Analyst · Treasury & Forex
- Shipped a Bloomberg-style AI news terminal scoring relevance and sentiment across Pakistan's three largest financial sources — saved a 30+ person desk ~15 analyst-hours/day.
- Analysed the daily FX blotter (NOP, Nostro, forward points, reval) on a book carrying $100M+ live USD exposure; tracked CRR/SLR against regulatory thresholds.
MCB BankMay–Jul 2026
Software Engineer Intern
- Built the retrieval core of MCB Live's chatbot — a custom RAG pipeline on MiniLM + Groq. Projected 200M+ PKR saved annually, support load down 35%.
- Shipped PII guardrails and a PM-facing tuning panel; ran a 61-case QA suite that surfaced backend security gaps the bank adopted for remediation.
KrownieMay–Aug 2025
Software Engineer Intern
- Engineered real-time voice interview pipelines on OpenAI + Retell AI over serverless AWS Lambda/S3 with Supabase.
- Cut interview failure rate 30% by hardening prompt logic and transcription edge cases.
KatsahMay–Aug 2024
Finance Intern
- SQL funnel analysis pinpointing leakage worth 50–60% of potential conversions.
- Excel variance models isolating pricing and marketing spend as revenue drivers — fed directly into leadership budget decisions.
Umer Cheemauicheema@uwaterloo.ca · umercheema.xyz
Projects
Section 02 / 04 · Marked to Market
| Ticker | Description | Stack | Source |
|---|---|---|---|
| $ROBOADVISOR.PY | ML robo-advisory — LR + RF + GBM ensemble, GMM regime detection, Kelly sizing | Python · scikit-learn · GMM | GitHub ↗ |
| $CFM101.PY | $1M CAD systematic portfolio — four-factor scoring, 100 Monte Carlo trials, max Sharpe | Python · NumPy · yfinance | GitHub ↗ |
| $T20WC.PY | T20 World Cup match predictor — Elo, rolling form, venue factors, blended 60/40 with ICC | Python · LogReg · Streamlit | GitHub ↗ |
| $SUBTRACK | Subscription burn-rate tracker — per-user dashboards, category breakdowns, cloud-persisted | Python · PostgreSQL · Vercel | LIVE |
| $ZARF | Pre-nikah clarity platform — double-blind conflict scenarios, financial stress test | Next.js · Prisma · Supabase | LIVE |
| $DEBATELY.AI | AI debate platform — Gemini judges arguments in real time across multi-round formats | Next.js · React · Gemini API | WIP |
6 ShippedSource where publicgithub.com/1cheema1
Long
Fooled by RandomnessNassim Nicholas Taleb
Advances in Financial Machine LearningMarcos López de Prado
Designing Data-Intensive ApplicationsMartin Kleppmann
The Kite RunnerKhaled Hosseini
On repeat
SajniStrings
JackpotCheema Y
HumMujtaba Qizilbash
The Book · 03 / 04
Allocation
| XEQT | iShares Core Equity ETF Portfolio | — |
| CHPS | Global X Semiconductor Index ETF | — |
personal holdings · not advice
Currently working on
Stochastic calculus
Itô’s lemma is the wall between me and derivatives pricing.
Regime alpha vs. the bull run
How much of the robo-advisor’s +67.7% was the model, and how much was Feb 2023 – Dec 2024?
Waterloo, ON
Umer Cheema
Computer Science & Finance · University of Waterloo
GitHub
LinkedIn
Résumé
Available Winter 2027
Umer CheemaSection 04 / 04
Leave a note
→ uicheema@uwaterloo.ca
Umer Cheema
(647) 606-8454 · uicheema@uwaterloo.ca · umercheema.xyz · github.com/1cheema1
Education
University of Waterloo — BCFM, Honours Computer Science and Financial Management (Co-op)
Waterloo, ON
Financial Markets · Algorithm Design & Data Structures · Financial Reporting · Functional Programming · Linear Algebra · Discrete Math
Experience
Summer Analyst, Treasury & Forex Group · MCB Bank Limited
Jul–Sep 2026 · Lahore, PK
- Shipped a Bloomberg-style AI news terminal for the treasury desk, scraping Pakistan's three largest financial news sources and scoring relevance and sentiment — replacing a manual routine costing the 30+ person desk ~15 analyst-hours/day.
- Analyzed the daily FX blotter (NOP, Nostro, forward points, reval rates) across a book carrying $100M+ in live USD exposure.
- Contributed to daily FX swap point pricing; built working knowledge of options, futures and forward pricing mechanics on a nine-figure desk.
- Tracked CRR/SLR ratios against regulatory thresholds and analyzed T-bill and PIB auction data and yield movements.
Software Engineer Intern · MCB Bank Limited
May–Jul 2026 · Lahore, PK
- Built the retrieval and reasoning core of MCB Live's AI chatbot — a custom RAG pipeline (chunking, vector store, retrieval logic) on MiniLM embeddings with Groq for reasoning. Projected to save 200M+ PKR annually and cut support agent load 35%.
- Designed PII guardrails and a PM-facing dev panel letting non-technical product managers tune prompts, temperature and guardrails without code, plus multi-language support.
- Ran a 61-case QA suite uncovering critical backend security and architecture gaps the bank adopted for remediation.
Software Engineer Intern · Krownie · AI-Powered Voice Interview Platform
May–Aug 2025 · Toronto, ON
- Engineered real-time voice interview pipelines using the OpenAI API and Retell AI on serverless AWS Lambda/S3 with Supabase Postgres, handling prompt chaining and session state in production.
- Cut interview failure rate 30% by hardening prompt logic and edge-case handling in transcription and LLM response parsing.
Finance Intern · Katsah.com · E-Commerce Platform
May–Aug 2024 · Remote
- Wrote SQL diagnosing checkout funnel drop-off (leakage costing 50–60% of potential conversions) and built Excel variance models isolating pricing and marketing spend as revenue drivers; both informed leadership budget decisions.
Projects
Machine Learning Robo-Advisory System
Python · Pandas · scikit-learn
- Monthly stock-selection engine across 50 large-cap US equities using an LR/RF/GBM ensemble with 10 engineered features; walk-forward validated across 23 out-of-sample periods.
- Fractional Kelly sizing (25% fraction, 20% cap) and GMM regime detection scaling exposure 100/75/50% — +67.7% total return vs +46.3% SPY (Feb 2023–Dec 2024), Sharpe 1.89, max drawdown 8%.
Technical Skills
LanguagesPython, C, JavaScript, TypeScript, SQL, Java, C++, HTML/CSS
LibrariesPandas, NumPy, scikit-learn, Matplotlib, SciPy, Statsmodels, TensorFlow, LangChain
FrameworksNext.js, React, FastAPI, REST, Node.js, Flask
SystemsAWS (Lambda, S3), Supabase, Git, Linux, Jupyter, PowerBI, Excel, Azure
FinanceFX & Fixed Income, Risk-Adjusted Portfolio Evaluation, Financial Reporting, GAAP, ASPE, IFRS
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