Sunny Khawash
Credit Risk Analytics | Risk Management | Fintech
- Role
- Associate Director - Credit Risk at Nira
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Sunny Khawash
Credit Risk professional with extensive experience in unsecured and secured lending, specializing in credit underwriting, credit policy, portfolio analysis and operational systems. At NIRA, I developed & implemented processes, strategies for personal and business loans, leveraging both alternative & traditional data and analytics to manage risk. Currently in my role, I focus on credit analytics, portfolio analytics, credit policy, portfolio monitoring and fraud prevention while optimizing credit decisioning processes. I work collaboratively across product, engineering and business teams to align credit strategies with business objectives and foster efficient practices. I am passionate about combining technical skills with a pragmatic approach to create solutions that balance risk management with business growth. My goal is to contribute meaningfully to the advancements in the lending industry.
Experience
Associate Director - Credit Risk
Mar 2025 — Present · Bengaluru, IN
Overseeing development and implementation of the credit strategy, ensuring alignment with the company\'s overall business and risk management objectives.• Developing and refining credit policies, ensuring they are both robust and flexible enough to meet market demand while managing risk effectively.• Monitoring portfolio performance, analyzing credit risk metrics such as delinquency rates, risk patterns and default rates to drive portfolio optimization.• Collaborating with data science and engineering teams to implement advanced credit decisioning models - leveraging both traditional and alternative data sources.• Continuously analyzing industry trends, competitor offerings and emerging technologies to enhance credit offerings and remain competitive.• Leading the credit team in implementing best practices, providing training, and improving operational efficiency.• Establish and maintain relationships with cross-functional internal stakeholders and external fintech partners, lending partners to ensure smooth credit operations.• Manage the entire credit lifecycle, from customer onboarding and credit application processing to approval.
Education
Don Bosco Secondary School, Meghalaya
Matriculation, Mathematics, Science, English Literature, Social Studies
2005 — 2009
Kendriya Vidyalaya
AISSCE, Physics, Chemistry, Mathematics, Biology, English Literature.
2009 — 2011
Punjab Technical University
Bachelor of Technology (B.Tech.), Electrical, Electronics and Communications Engineering
2012 — 2016
Skills
- Computer Proficiency
- Arduino
- Matlab
- Cyber-Security
- 8051 Microcontroller
- Ethical Hacking
- C++
- Computer Networking
- Vdhl
- Microprocessors
Find verified contacts for anyone on LinkedIn
Unifers gives sales teams verified emails and direct dials, enriched profiles, and outreach that lands in the inbox.
Free plan included · No credit card required
This profile is compiled from publicly available professional sources. Unifers is not affiliated with or endorsed by LinkedIn. Request removal of this profile.