Saket Mohanty | Searcharxiv

arXiv2026

Insurance Reserve Intelligence Platform

Insurance reserve estimation is a fundamental actuarial task supporting premium pricing, solvency assessment, financial reporting, capital planning, and risk management. Classical reserve methods based on Thiele's differential equation provide a rigorous and interpretable foundation for life insurance valuation, but repeated reserve calculations become computationally expensive in sensitivity analysis, optimization, and large-scale scenario evaluation. This paper presents an Insurance Reserve Intelligence Platform for term-life reserve modelling that combines a classical Thiele-equation solver with a Physics-Informed Neural Network (PINN) enhanced by Knowledge-Informed Neural Network (KINN) losses. The framework includes synthetic policy generation, risk-adjusted premium calculation, classical reserve trajectory generation, reserve-ratio dataset construction, configurable neural training, validation diagnostics, sensitivity and elasticity analysis, prototype optimization workflows, and interest-rate scenario testing. A key refinement is the use of premium ratio and the explicit separation of pricing-time and scenario-time interest-rate semantics. The final model uses seven features: elapsed time, issue age, pricing interest rate, scenario interest rate, premium ratio, sum assured, and mortality intensity. It predicts a standardized reserve ratio instead of raw reserve values, improving numerical stability across policies with different sums assured. The model achieved an R2 of 0.9887, MAE of 785.48, and RMSE of 1212.76 on the test set. On 200 policies, PINN/KINN inference was approximately 119.53 times faster than the classical solver. Results show strong predictive accuracy, physics consistency, and boundary performance, while highlighting remaining limitations in monotonicity and out-of-distribution generalization.

cs.AI↗

arXiv2026

Constraint-Driven Model Optimization: An Industry Framework for Selecting Compression and Acceleration Techniques in Modern Machine Learning Systems

The rapid deployment of machine learning systems across cloud, edge, and enterprise environments has brought model optimization to the forefront of systems-engineering. Despite a rich literature spanning quantization, pruning, knowledge distillation, parameter-efficient fine-tuning (PEFT), and inference-time optimization, practitioners are often left navigating these techniques through heuristics rather than principled methodology. We argue that optimization should be formulated as a constraint-driven, multi-objective engineering decision and introduce a unified framework that characterizes any production deployment along five interacting constraint dimensions: data availability, latency budget, memory budget, accuracy tolerance, and retraining budget. Building on this taxonomy, we synthesize empirical gains reported across the research literature and map them to operational constraints rather than algorithmic categories. To ensure practical relevance, we selected these techniques by reviewing recent literature for methods that report measurable improvements against critical deployment bottlenecks. We propose a prescriptive decision framework and provide optimization pipelines for four representative industrial scenarios to illustrate it in practice. To the best of our knowledge, this work provides one of the first structured attempts to formalize model optimization as a constraint-aware, multi-objective engineering process, synthesizing quantitative evidence from the research literature.

cs.LG↗