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Nikhil Goyal is a seasoned professional in risk management and analytics with extensive experience in the financial technology sector. Currently serving as the Head of Risk - Lending at PhonePe since May 2023, Nikhil previously held multiple senior roles at ZestMoney, including VP - Risk & Analytics, where responsibilities included leading credit strategy and data science teams, and enhancing risk assessment through alternative data providers. Nikhil also contributed to Credit Karma as Lead Product Analyst and Senior Product Analyst, focusing on product discoverability and consumer behavior analysis. Early career roles included management and analytics positions at Kabbage, Inc., Global Analytics, and Mu-Sigma Business Solutions. Nikhil holds a Master's degree in Business Analytics from the University of Minnesota and a Bachelor of Engineering in Computer Science & Engineering from Punjab Engineering College.