ISFA, Université Claude Bernard Lyon 1 · R&D AI Lab, Milliman France

François HU

Associate Professor & AI Researcher

I am Associate Professor in AI and Actuarial Science at ISFA, Université Claude Bernard Lyon 1, and I lead the R&D AI Lab at Milliman France. My work sits at the intersection of statistical learning and trustworthy AI (fairness, interpretability, privacy), mostly applied to insurance and finance. I also teach at EPITA, Cnam and the Institut des Actuaires.

Portrait of François HU

Currently

  • Associate Professor in AI and Actuarial Science at ISFA, Lyon 1.
  • Leading the R&D AI Lab at Milliman France on GenAI and trustworthy AI.
  • Teaching data science at ISFA and ENSEA Abidjan, and fairness at Cnam.
  • Working on fairness methods for multiple sensitive attributes with EquiPy.

Research

What I work on

All research

Algorithmic fairness

Optimal-transport methods that correct discrimination in predictive models, for one sensitive attribute or several at once, with statistical guarantees on what accuracy that costs.

  • Wasserstein barycenters
  • demographic parity
  • multi-class
  • EquiPy

Trustworthy AI for insurance

Pricing, scoring and mortality models that regulators and policyholders can actually scrutinise: interpretability, privacy and bias auditing on real actuarial portfolios.

  • interpretability
  • privacy
  • actuarial science
  • model risk

Probability calibration

A score is only useful if its numbers mean what they claim. Recalibrating predicted probabilities so that they match observed frequencies, and keeping them calibrated once a fairness correction has been applied on top.

  • calibration
  • reliability
  • proper scoring rules
  • post-processing

Bayesian statistics

Latent variable models, variational inference and MCMC, used both as a research tool for uncertainty quantification and as the backbone of the Bayesian machine learning course I teach.

  • Bayesian inference
  • latent variable models
  • MCMC
  • uncertainty

NLP, LLMs and generative AI

Extracting structure from unstructured text: ESG concepts in corporate reporting, early signals of infectious disease outbreaks, and retrieval- augmented systems for insurance.

  • LLM
  • RAG
  • topic models
  • ESG

Semi-supervised & active learning

When labels are expensive, which ones should you buy? Sampling and labelling strategies that keep both cost and bias under control.

  • active learning
  • labelling
  • sampling
  • semi-supervised

Publications

Selected papers

Full list
  1. Fairness guarantee in multi-class classification

    C. Denis, R. Elie, M. Hebiri, F. Hu

    Journal of Machine Learning Research (JMLR)

    Optimal fair classifiers under demographic parity for multi-class problems, with statistical guarantees on the fairness/accuracy trade-off.

  2. A sequentially fair mechanism for multiple sensitive attributes

    F. Hu, P. Ratz, A. Charpentier

    AAAI 2024Covered by the Montreal AI Ethics Institute

    A sequential Wasserstein-barycenter approach that mitigates unfairness across several sensitive attributes at once, with an interpretable fairness path.

  3. Fairness in multi-task learning via Wasserstein barycenters

    F. Hu, P. Ratz, A. Charpentier

    ECML-PKDD 2023, Research Track

    Extends optimal-transport post-processing for demographic parity to simultaneous regression and binary classification tasks.

  4. Mitigating discrimination in insurance with Wasserstein barycenters

    A. Charpentier, F. Hu, P. Ratz

    BIAS 2023

    How optimal-transport fairness corrections behave on real insurance pricing data, and what they cost in premium accuracy.

  5. Semi-supervised learning in insurance: fairness and labelling

    F. Hu

    PhD thesis, Institut Polytechnique de Paris (CREST-ENSAE)Awarded best actuarial thesis in France (SCOR Prize 2022)

    A learning system for insurance that is accurate in prediction, cheap in labelling and ethical in transparency and fairness.

Writing

From the blog

All posts

Projects

Projects

All projects

Open source · Since 2023

EquiPy

A Python package for post-processing fairness: it takes a trained model and returns a calibrated, fairer one, for a single sensitive attribute or several at once.

  • Python
  • Optimal transport
  • scikit-learn
  • Fairness

Research collaboration · 2022 to 2024

Early Warning System for Infectious Diseases

Spatiotemporal modelling and NLP over news and social posts to detect outbreak signals early, as part of the Mathematics for Public Health initiative.

  • NLP
  • Spatiotemporal models
  • Biostatistics
  • Python

Teaching

Where I teach

Courses & material
  • EPITA

    Since 2020 · 4 courses

  • Institut des Actuaires

    Since 2019 · 2 courses

  • Cnam

    Since 2024 · 1 course

  • ISFA, Université Claude Bernard Lyon 1

    Since 2025 · 2 courses

Let's talk

Happy to discuss collaborations on trustworthy AI, guest lectures or research internships. Email is the fastest way to reach me.