Nikhil Goud

About Nikhil Goud

I am experienced Experian Power Curve (PCSM)developer with financial and banking industry.skilled in designing and implementing strategies and decision system for products using Strategy Design Studio. Currently working for Strategy developer in India DA team Experian.

Experience

1. Developer Iii - Software Engineering

   UST

   Feb 2026 — Present · Hyderabad, IN

   Credit Risk Decisioning Solutions ImplementationCore Solution Development and Implementation• Developed and implemented credit risk decisioning solutions using Experian PowerCurve (PCSM).• Designed business rules, scorecards, and decision strategies to support retail and SME lending processes.• Translated business requirements into scalable credit policies to enhance loan origination and underwriting.• Configured automated workflows to improve operational efficiency and reduce decision turnaround time.System Integration, Compliance, and Optimization• Integrated PowerCurve with external data sources and internal systems for real-time risk assessment.• Conducted impact analysis, testing, and deployment of strategy updates in production environments.• Collaborated with risk, business, and IT teams to optimize customer onboarding and credit evaluation.• Ensured compliance with regulatory requirements and internal risk governance standards.• Monitored and optimized decision strategies to balance risk exposure and business growth.

Education

• Sandip institute of polytechnic

  Diploma of Education, Electrical, Electronics and Communications Engineering

• PUNE VIDYARTHI GRIHA'S COLLEGE OF ENGINEERING, NASHIK

  Bachelor's degree, Electrical, Electronics and Communications Engineering