Nikhil Bhagwan Borge
MUMBAI
Summary
Banking and Compliance professional with over 10 years of diverse experience in KYC operations, credit risk, fraud prevention, collateral management, and stakeholder reporting. Proven track record in leading complex audits, developing risk frameworks, and collaborating across departments to drive compliance, enhance process efficiency, and strengthen internal controls. Adept at mentoring teams, managing multi-market portfolios, and aligning compliance goals with strategic business outcomes.
Overview
12
12
years of professional experience
Work History
(Acting Team Coach)
NIUM - Senior Analyst Compliance Operations
02.2023 - Current
- Leading a team of 5 during lean staffing periods while continuing BAU responsibilities. Mentored and trained new joiners, enhancing operational efficiency.
- Delivered stakeholder presentations for quarterly performance review and supported year-end planning with strategic insights.
- Cleared backlog of 2500+ legacy accounts in less than 3 months through focused KYC remediation.
- Investigated high-risk fraud/chargeback cases, formulated control measures, and reduced operational fraud risk by 60–70%.
- Supported audit cycles (EY, internal) with documentation, metrics, and issue resolution, enhancing audit preparedness.
- Reviewed customer risk profiles and contributed to client onboarding controls within the financial operations unit.
- Assisted in regulatory reporting and collaborated with internal risk teams for remediation of flagged cases.
Master New Account's Analyst
American Express
11.2018 - 01.2023
- Spearheaded daily KYC and enhanced due diligence for 40–50 applications, achieving a consistent customer success rate exceeding 84%, significantly reducing onboarding risks.
- Investigated and resolved fraud-related disputes and chargeback cases, ensuring accurate liability transfer in line with SOP and SLA requirements.
- Streamlined the delivery of virtual card numbers through automation, enabling immediate revenue generation upon client activation.
- Designed and implemented comprehensive fraud and credit risk control frameworks, with periodic monitoring to prevent operational and financial exposure.
- Recognized by leadership for driving three successful process improvement projects across US, UK, and ANZ markets—enhancing overall compliance efficiency.
- Promoted from Senior Analyst to Master Analyst in recognition of consistent performance, innovation, and cross-team impact.
- Delivered end-to-end training sessions and ongoing coaching to new and existing team members, improving accuracy and reducing review time.
Senior Credit Analyst
Barclays Bank Plc
09.2013 - 10.2018
- Established and maintained robust live and offline monitoring frameworks to support Private Banking credit products in alignment with collateral-based covenants.
- Developed and optimized MIS reporting and communication channels for Credit Advisory teams, enabling proactive risk identification within the lending portfolio.
- Spearheaded automation and system enhancement projects by collaborating with UAT teams and cross-functional stakeholders, improving operational efficiency.
- Conducted regular covenant testing and compliance reviews as per the fact sheets, sanctioner reports, and covenant terms; resolved complex queries from Credit, Lending, Client Services, and Loan Operations teams.
- Configured and managed collateral attributes in the Collateral Monitoring System, including lending values, pledge setups, and special instructions.
- Successfully led three Business Continuity Management (BCM) events with 100% execution success under high-stakes scenarios.
- Served as an individual contributor with domain expertise in Credit Risk Mitigation, Asset Servicing, Loan Withdrawals/Drawdowns, and Collateral Compliance.
Education
MBA -
Punjab Technical university
10.2018
PG Diploma - Wealth Management And Financial Planning
Indian Institute of Financial Planning
01.2015
B Com -
Somiya College
01.2011
Skills
- Stakeholder Reporting & Communications
- Developing Control Measures
- Process Improvement & Controls
- Fraud and Risk management
- Team Coaching & Mentorship
- Internal/External Audit Coordination
- Cross-functional Team Collaboration
Accomplishments
- Successfully led the remediation of 2500+ periodic screening cases in under 3 months.
- Delivered audit presentations and clarifications to EY, earning senior leadership recognition.
- Co-developed automated compliance dashboards and collaborated on root-cause analysis for fraud trends.
Timeline
(Acting Team Coach)
NIUM - Senior Analyst Compliance Operations
02.2023 - Current
Master New Account's Analyst
American Express
11.2018 - 01.2023
Senior Credit Analyst
Barclays Bank Plc
09.2013 - 10.2018
MBA -
Punjab Technical university
PG Diploma - Wealth Management And Financial Planning
Indian Institute of Financial Planning
B Com -
Somiya College
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