Nitin Kumar is a credit risk professional with deep expertise in IFRS 9 and regulatory credit modelling across retail and wholesale banking portfolios. He has hands-on experience building and validating PD, LGD, and EAD models for major financial institutions, and has worked closely with risk teams navigating IFRS 9 implementation, model governance, and audit review.

Nitin brings a practitioner's perspective to every session - focusing on the real-world challenges that textbooks skip: messy data, low-default portfolios, regulatory push back, and the gap between theory and production code. His teaching style combines rigorous technical content with worked examples in R and SAS, ensuring participants leave with both understanding and usable skills.

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