Nikhil Pinto
Credit Risk & Policy || Retail Lending || Portfolio Management || Ex- ICICI || Ex-L&T Finance || XIMB
- Role
- Senior Risk Manager at IDFC FIRST Bank
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Nikhil Pinto
Risk-focused banking professional with over 7 years of experience driving credit policy, portfolio risk analysis, and scorecard strategy across leading financial institutions like IDFC First Bank, ICICI Bank, and L&T Financial Services. With a deep understanding of Retail lending and digital credit ecosystems, I’ve successfully designed and implemented credit frameworks that align market realities with portfolio performance.
Experience
Senior Risk Manager
Feb 2023 — Present · Mumbai, IN
At IDFC First Bank, I led the formulation of new risk strategies, launched targeted credit programs, recalibrated scorecards, and partnered with cross-functional teams to deliver data-driven solutions. From designing policies approved by senior management to deploying early warning signals and automating governance MIS, I bring a proactive, analytical lens to policy implementation and risk analytics.Skilled in SAS, SQL, and business rule engines, I merge technical tools with business acumen to craft scalable, compliant lending solutions. My work has consistently contributed to enhanced credit decisioning, delinquency reduction, and business growth—earning me multiple Risk Titan and Ace Awards.
Education
H.L INSTITUTE OF COMMERCE
Bachelor’s Degree, Business/Commerce, General
2013 — 2016
Xavier Institute of Management(XIM Bhubaneswar)
Master’s Degree, Business Administration and Management, General
2016 — 2018
St. Xavier's High School, Ahmedabad
Business/Commerce, General
2001 — 2013
Skills
- Microsoft Word
- Microsoft Powerpoint
- Film Editing
- Adobe Photoshop
- Teamwork
- Microsoft Excel
- Windows
- Microsoft Office
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