Nishant Ratanpal
National Credit Manager @Mintifi
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WORK HISTORY
National Credit Manager @Mintifi
Mumbai, IN
Built and led a high-performing team of credit managers and underwriters, establishing standardized policies, scorecards, underwriting rules and automation pipelines that reduced credit cost and strengthened portfolio health.• Partnered with Data Science to refine existing scorecards—and develop new ones—that drive end-to-end customer journeys, from digital application through early-warning portfolio monitoring.• Designed and implemented a rules engine that auto-triangulates GST, banking and financial data, cutting manual assessment time and enabling underwriters to focus on high-value analysis.• Spearheaded audit-readiness and control frameworks, coordinating with internal, external and statutory auditors to achieve zero non-compliance findings.
EDUCATION
University of Calcutta
B.com (Honours), Accounting and Finance
The Institute of Chartered Accountants of India
CHARTERED ACCOUNTANT, ACCOUNT & FINANCE
SKILLS
ABOUT NISHANT RATANPAL
Seasoned risk and credit professional with over a decade of progressive leadership experience across retail and corporate lending segments, encompassing Credit Risk, Underwriting, Credit Operations, and Process Automation. Demonstrated expertise in scaling businesses from inception to multi-thousand-crore portfolios, while building resilient risk frameworks and fostering cross-functional alignment across product, analytics, tech, and compliance teams.
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