Featured Product

    Nihil Patel

    Data scientist; SaaS product designer; credit portfolio analyst and product strategist; portfolio modeler; correlation researcher

    Nihil Patel heads a global team of product managers and data scientists who design B2B SaaS products around capital planning, impairments, sentiment analysis, and portfolio risk management. As a business lead, Nihil drives product strategy related to credit portfolio analytics, drawing on his broad experience in research, modeling, service delivery, customer engagement, and from leading portfolio modeling services and correlation research teams.

    Princeton University: MSE, Operations Research and Financial Engineering
    University of California, Berkeley: BS, Industrial Engineering and Operations Research
    • Chartered Financial Analyst

    Stress Testing: Moody’s Analytics helps financial institutions develop collaborative, auditable, repeatable, and transparent stress testing programs to meet regulatory demands.

    Strategic Capital Planning: Moody’s Analytics strategic capital planning solutions provide key capital ratio and credit metric projections based on a variety of strategic and economic scenarios.

    Credit Economic Capital: Gain insights to manage credit risk, support regulatory compliance, and make active asset allocation decisions.


    Stress Testing: Gauge of how certain stressors will affect a company, industry, or specific portfolio.

    Loss Accounting: IFRS 9: Recognition of loss allowance for financial assets, based on expected credit losses.

    Credit Correlations: Measurement of whether risky assets are more likely to default together or separately.

    Representative Projects

    Used ML/AI to develop a Credit Sentiment Score that scores news articles based on negative credit signals within the article.

    Helped financial institutions assess portfolio concentrations and develop portfolio management strategies.

    Published Work