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Nikhil Mahanandani

@nikhilmahanandani

Credit Risk & Underwriting Analyst using SQL/Python to drive underwriting strategy, portfolio insights, and measurable savings.

India

Message

What I'm looking for

I’m looking for a remote data/risk analytics role where I can use SQL and Python for credit risk, underwriting, and portfolio analytics—partnering with stakeholders to improve authorization strategies, fraud controls, and measurable decision outcomes for an international organization.

I’m a data-driven Credit Risk & Underwriting Analyst with 4+ years of experience across American Express and Morgan Stanley. I focus on SQL/Python-based portfolio analytics, underwriting strategy design, and risk reporting to turn data into better authorization, controls, and decisioning.

At American Express, I delivered over $2M in projected annual savings and $18M+ in incremental spend through data-led credit and authorization strategy redesigns. I’ve also built leadership dashboards in Power BI powered by SQL to track portfolio KPIs, underwriting funnel performance, delinquency trends, and early warning indicators.

I enjoy partnering with cross-functional and global stakeholders to modernize rules and processes, including leading migration of the India Commercial underwriting platform. I’m now seeking a remote data/risk analytics role with an international organization.

Experience

Work history, roles, and key accomplishments

Current

Senior Analyst, Commercial NA

Current

American Express

Mar 2026 - Present (4 months)

Used SQL and Python to identify stress in the logistics portfolio and implemented leverage-based controls, reducing exposure from 23% to 5% and projecting $500K in annual savings. Led underwriting platform migration and rule modernization, and redesigned GST-based credit line assignment and authorization strategies to increase credit lines by 15% and unlock $18M in incremental annualized spend whi

SQL Python Power BI Underwriting Strategy Credit Risk Portfolio Analytics Authorization Bureau and GST Based Risk Assessment Stakeholder Management Credit Line Assignment

Data Analyst, Commercial NA

American Express

May 2024 - Feb 2026 (1 year 9 months)

Strengthened SME underwriting by introducing entity-specific bureau thresholds, projecting $200K in annual savings. Revamped underwriting criteria for low-revenue cohorts and redesigned GST-based credit line assignment, reducing approvals from 85% to 70% (projecting $300K in annual delinquency savings) and enabling 15% higher credit lines that unlocked $18M in incremental annualized spend.

SQL Python Power BI Portfolio Analytics Bureau and GST Based Risk Assessment Stakeholder Management

Summer Intern

American Express

Apr 2023 - Jun 2023 (2 months)

Assessed the feasibility of deploying short-term probability risk scores within authorization strategies by analyzing portfolio behavior, default trends, and operational impact across segments. Evaluated a score-conversion framework and proposed data-driven, market-specific authorization and risk control strategies to improve default capture in stressed customer cohorts while balancing customer ex

Risk Scores Score Conversion Framework Risk Control Market Specific Risk Controls

Finance Analyst

Morgan Stanley

Jul 2020 - Apr 2022 (1 year 9 months)

Performed daily validation and substantiation of P&L data between Risk and reporting systems to ensure data integrity for downstream reporting. Prepared daily P&L reports for business unit heads and finance managers and supported finance-related projects, process enhancements, and UAT testing.

Data Reconciliation Risk Reporting P&L management P&L Greek Attribution UAT