Nitin Sinha

About Nitin Sinha

Risk Analytics professional with 11 years of experience delivering scalable credit risk solutions across global BFSI clients. Specialized in predictive modeling, model monitoring frameworks, machine learning experimentation, and data modernization, supporting risk-adjusted portfolio growth.Experience spans credit risk model development and monitoring, acquisition, ECM, and collection strategies, mobile/digital lending, and regulatory modelling (PD, LGD). Closely involved in credit risk ownership elements including risk policy inputs, decision rules, risk appetite guardrails, and approval–loss trade-off frameworks. Actively tracks and reviews evolving regulatory drafts and digital lending guidelines across geographies (e.g, RBI, PRA) focusing on their implications for credit policy, underwriting frameworks, and risk governance.Currently leading high-performing teams (5–15 members), guiding strategic RFPs and PoCs, and mentoring analysts to build a data-driven risk culture.Tech: Python, SAS, SQL, PySpark, GCP, Qlik, HadoopModels: Linear & Logistic, RF, XGB, GBM, Vintage, MarkovPortfolios: Cards, Personal Loans, Mobile Lending, Mortgage, LAP, Consumer DurablesGeographies: India, Africa, UK, MENA, HBAP

Experience

1. Assistant Vice President

   EXL

   Jan 2023 — Present · Gurugram, IN

Education

• Indira Gandhi Institute of Development Research

  Master of Science (M.Sc.)

  2012 — 2014

• University of Allahabad

  Engineer’s Degree, Electrical, Electronics and Communications Engineering

  2008 — 2012

Skills

• Econometrics
• Financial Econometrics
• R
• Risk Management
• Sas
• Partial Differential Equations
• Microsoft Office
• Stochastic Calculus
• Financial Modeling
• Economics
• Research
• Data Analysis
• Optimization
• Analytics
• Microsoft Powerpoint
• Statistical Modeling
• Time Series Analysis
• Statistics
• Differential Equations
• Microsoft Excel
• Powerpoint