Author Image

Hey, I'm William

William C Francis

Data Scientist at Chubb

I’m a data scientist at Chubb in Philadelphia, building predictive models, machine learning tools, and agentic AI applications. My work spans insurance pricing, conversion and retention modeling, and tools that help teams move from data to decisions. I hold dual master’s degrees in Robotics and Computer Science from the University of Pennsylvania, where I worked on perception and localization for an autonomous racing go-kart. Beyond my day job, I built PeeqAI, a multimodal assistant for visually impaired users, and co-founded Philly AI Connect. I’m especially interested in how vision, language, and learning can come together to solve practical problems.

Skills

Experience

1
Data Scientist
Chubb

May 2024 - Present, Philadelphia, PA

North America Data Science Modeling team, working on insurance pricing, predictive modeling, and internal AI applications.

Responsibilities:
  • Develop and deploy GLM pricing models for personal and commercial insurance, owning factor selection, validation, and deployment.
  • Build production XGBoost models for quote conversion, retention, and loss cost to support underwriting, pricing, and portfolio strategy.
  • Build and maintain reusable modeling tools that support the workflow from raw data to deployed rating models.
  • Develop agentic AI workflows for structured extraction and natural-language exploration of portfolio data.
  • Deliver customer lifetime value estimates through a Streamlit application on Snowflake, helping stakeholders make acquisition and retention decisions.

Co-Founder
Philly AI Connect

Nov 2023 - May 2024, Philadelphia, PA

A community bringing together Philadelphia’s AI and machine learning practitioners, researchers, and builders.

Responsibilities:
  • Co-founded the organization and grew the community to 1,800 members.
  • Organized six major events featuring research talks, demos, technical workshops, and hackathons, alongside smaller networking events.
  • Secured partnerships with Pennovation Center and GraysonSky to support recurring programming.
2

3
University of Pennsylvania

Oct 2021 - May 2023, Philadelphia, PA

Research in autonomous systems at xLAB, alongside teaching in applied machine learning and community coding education.

Graduate Research Assistant, xLAB

Dec 2021 - May 2023

  • Built perception and localization for an autonomous racing go-kart, fine-tuning PSPNet for drivable-area segmentation and fusing GNSS and IMU data with an extended Kalman filter for 100 Hz odometry.
  • Deployed the stack on NVIDIA Jetson AGX and optimized inference with TensorRT for real-time operation.
  • Led the team to first place at Autonomous evGrandPrix 2023 and presented the project at ICRA 2022.
Graduate Teaching Assistant, Applied Machine Learning

Jan 2022 - Jul 2022

  • Developed instructional materials and assignments for more than 60 students in the graduate course MSSP 608.
  • Taught data analysis, regression, support vector machines, neural networks, principal component analysis, and random forests through recitations and coding labs.
Student Coding Instructor, Penn Alexander School

Oct 2021 - Jul 2022

  • Taught Python and Scratch to third- and fourth-grade students at Penn Alexander School.

Undergraduate Research Assistant
Center for Industrial Automation Lab, Vellore Institute of Technology

Oct 2019 - Jun 2020, Chennai, India

Research in embedded systems, assistive technology, and robotics.

Responsibilities:
  • Built a brain-controlled wheelchair with camera-based collision avoidance and a Python and MATLAB interface.
  • Developed a TensorFlow neural network for voluntary eye-blink detection in EEG signals, with adaptive blink detection and control sensitivity.
  • Conducted user testing and contributed to a peer-reviewed publication in the Indonesian Journal of Electrical Engineering and Informatics in June 2021.
4

5
Machine Learning Intern
VisionCultura

Dec 2019 - May 2020, Bengaluru, India

An IoT farming startup connecting sensors, cloud infrastructure, and mobile applications.

Responsibilities:
  • Developed a PyTorch and IoT farming system that monitored sunlight, water, and nutrients, contributing to an 18% increase in crop yield and a 90% reduction in labor costs.
  • Deployed models with AWS SageMaker and monitored real-time data with CloudWatch.
  • Improved the perception stack with YOLO, RetinaNet, and Faster R-CNN object detection models.

Embedded Systems Intern
Siemens Gamesa Renewable Energy

May 2018 - Aug 2018, Bengaluru, India

Wind energy engineering and embedded sensing applications.

Responsibilities:
  • Designed and built a miniature wind turbine using an ATtiny85 microcontroller, sensors, and a custom PCB designed in Eagle.
  • Implemented blade-angle detection for heli-hoist applications and analyzed sensor data with Parallax Data Acquisition.
  • Designed and 3D-printed the turbine shaft, blades, and tower.
6

Education

Aug 2021 - May 2024
Dual M.S.E. in Robotics and Computer and Information Science
GPA: 3.8 out of 4
Taken Courses
  • Applied Machine Learning (Teaching Assistant)
  • Principles of Deep Learning
  • Natural Language Processing
  • Advanced Computer Vision
  • Software Systems
  • Statistics
  • Graph Neural Networks
  • Neuro-Symbolic AI
B.Tech. in Electrical and Electronics Engineering with a Minor in Computer Science
GPA: 8.99 out of 10
Taken Courses
  • Machine Learning
  • Neural Networks and Fuzzy Logic
  • Data Structures and Algorithms
  • Statistics for Engineers
  • Engineering Optimization
  • Computer Architecture and Organization
Extracurricular Activities
  • Captain of the university tennis team, leading the team to win several tournaments.
  • Member of the VIT Quiz Club.
  • Best Delegate in an intercollegiate Model United Nations competition.

Projects

PeeqAI
Founder Dec 2023

A hands-free assistant for visually impaired users, combining a custom vision-language model, wake-word speech recognition, and GPT-4 for real-time scene understanding. A context layer lets the assistant reason over accumulated environmental state.

Autonomous Racing Go-Kart
Graduate Research Assistant, xLAB Dec 2021 - May 2023

Built perception and localization with PSPNet, GNSS/IMU fusion, and TensorRT on NVIDIA Jetson AGX. Led the team to first place at Autonomous evGrandPrix 2023 and presented at ICRA 2022.

Insurance Modeling & Analytics
Data Scientist, Chubb May 2024 - Present

Production GLM and XGBoost models for pricing, quote conversion, retention, and loss cost, alongside reusable modeling tools and customer lifetime value applications.

Agentic AI for Data Workflows
Data Scientist, Chubb

Agent workflows for structured extraction and natural-language analytics, helping teams explore portfolio data and automate modeling tasks.

RuleKeeper
Developer

A D&D rules and Dungeon Master companion with cited hybrid retrieval, campaign memory, and dice tools. Combines a React interface with a FastAPI backend and support for local or hosted language models.

GPT Vision Assistant
Prototype

A real-time visual assistant that combines a phone video stream, CogVLM image understanding, GPT-4 reasoning, and spoken interaction. Keeps recent visual observations as context for answering questions.

AI-to-AI Conversation Loop
Experiment

Ongoing conversations between GPT and Google Gemini, with the option for a person to join the exchange.

Gemini Vision and CogVLM Comparison
Study

A comparative study of Google Gemini Vision and CogVLM for vision-language tasks.

RAG Pilot
Prototype

A Streamlit chatbot prototype using LlamaIndex to index documentation and retrieve relevant context for GPT-powered answers.

Personal Website & Interactive Games
Maintainer (fork)

My Hugo and Toha portfolio, with professional projects, writing, a photo gallery, and interactive games and sandboxes. Uses a shared Vite build and Netlify functions for its AI-powered experiences.

Efficient Panoptic Segmentation with SOLOv2
Developer Aug 2022 - Dec 2022

Improved state-of-the-art EfficientPS model by replacing its instance head (Mask RCNN) with SOLOv2.

Machine Learning for EEG Prosthetic Arm Control
Owner Aug 2021 - Dec 2021

Benchmarking 9 ML algorithms for identifying hand motions from EEG recordings.

Image Super Resolution with improved ESRGAN
Developer Aug 2021 - Dec 2021

PyTorch implementation of proposed improvements to the ESRGAN image super-resolution model.

Blind Motion Deblurring using deep learning
Developer Aug 2021 - Dec 2021

A deep learning approach to blind motion deblurring that estimates blur parameters for Wiener deconvolution, improving the legibility of blurred license plates. Includes an interactive demo on Hugging Face.

Robot Localization using PF-LSTM in HabitatAI
Developer Jan 2022 - May 2022

Robot localization using LSTM in HabitatAI simulator, employing particle filter as the embedded algorithmic prior.

Handwritten Digit Recognition using VAE
Owner Aug 2021 - Dec 2021

Variational Autoencoder that learns from MNIST dataset and generates altered handwritten digits.

Particle Filter SLAM for Humanoid Robot
Owner Jan 2022 - May 2022

Indoor SLAM using an IMU and a LiDAR sensor of a humanoid called THOR.

YOLOv3 from scratch
Owner Aug 2022 - Dec 2022

Bottom-up implementation of YOLOv3 for Object Detection.

SOLO and FPN from scratch
Owner Aug 2022 - Dec 2022

PyTorch implementation of Segmenting Objects by LOcation (SOLO) and Feature Pyramid Networks for the COCO dataset.

RNN language model from scratch
Owner Aug 2021 - Dec 2021

Recurrent Neural Network trained on Leo Tolstoy’s War and Peace to imitate his language style.

Email spam classifier using SVM
Developer Mar 2019 - May 2019

Detects spam emails with 98.7% accuracy using Support Vector Machines

Neural network from scratch
Developer Aug 2021 - Dec 2021

Numpy implementation of a neural network for digit recognition

EKF and UKF for 3D orientation tracking
Developer Jan 2022 - May 2022

Robot orientation tracking using EKF and UKF on VICON motion capture system

Autonomous Fire-Extinguishing Robot
Developer

An autonomous robot that scans its surroundings to locate and extinguish fires.

Baum-Welch for Hidden Markov Models
Implementation

A Python implementation of the Baum-Welch algorithm for learning the parameters of a hidden Markov model.

ML Bias Bounty
Experiment

Experiments with the ML Bias Bounty workflow: defining population groups, training group-specific predictors, and submitting improvements to a shared Pointer Decision List model.

Canny Edge Detector
Implementation

A Python implementation of the multistage Canny edge-detection algorithm for identifying image boundaries.

Chess Knight's Tour
Implementation

Three algorithms for solving the knight’s tour problem, exploring how a knight can visit every square on a chessboard while managing time and space complexity.

CIFAR-10 & Cosine Annealing
Study

An all-convolutional network trained on CIFAR-10 in PyTorch to study cosine annealing for learning-rate scheduling.

CNN Image Colorization
Developer

A convolutional neural network that colorizes grayscale images, with PyTorch training and inference code, a sample dataset, and color-temperature control.

Gabor Filters & SVM on MNIST
Experiment

Handwritten-digit classification experiments combining Gabor image features with support vector machines on MNIST.

UPenn GoKart Documentation
Documentation fork

A fork of UPenn GoKart’s documentation repository, with Sphinx and reStructuredText sources for the autonomous go-kart project.

Gradient Descent, SGD & Nesterov Momentum
Study

A comparison of gradient descent, stochastic gradient descent, and Nesterov momentum for logistic regression on MNIST.

Lane Segmentation & Steering-Angle Estimation
Experiment

A lane-detection pipeline using camera calibration, perspective transforms, color and gradient thresholds, and polynomial fitting to estimate lane curvature and vehicle position.

Laplacian Image Blending
Implementation

Image blending with Gaussian and Laplacian pyramids, using multiscale reduce, expand, combine, and collapse operations.

Protein Reverse Engineering
Experiment

Exploratory notebooks and data preparation for protein reverse engineering, including E. coli data.

Policy Iteration for a Robot Agent
Implementation

Policy iteration for finding a robot trajectory from a start cell to a goal in a two-dimensional grid world.

Q-Learning on CartPole
Implementation

Q-learning with the Double DQN technique for balancing a pole on the CartPole control task.

Tic-Tac-Toe in C++
Developer

A Turbo C++ implementation of tic-tac-toe with single-player and multiplayer modes.

Bayesian Robot Position Tracking
Implementation

A Bayes filter that tracks the position of a robot moving through a two-dimensional grid world.

Vision Transformer in PyTorch
Implementation

A simplified implementation of a vision transformer in PyTorch.

Visual Question Answering with Stacked Attention
Implementation

A multimodal visual question-answering model combining CNN image features, an LSTM question encoder, and stacked attention, with visualizations of the attention layers.

Wearable Sleep-Monitoring Device
Developer

An Arduino-based wrist-worn prototype that monitors heart rate and motion from accelerometer and gyroscope readings to estimate sleep quality.

Image Colorization Repository
Repository placeholder

An initial repository for image-colorization work. No implementation has been published in this repository yet.

GitHub Profile
Profile

The source for my GitHub profile README, including project links and technical interests.