Wing
Nithin Thomas has a diverse work experience spanning multiple roles and industries. Nithin currently serves as the Head of Data Science at Wing, where they lead a team that contributes to various business divisions. Nithin has developed lending scorecards and played an active role in creating a Decision Engine Ecosystem for real-time credit decisioning.
Prior to Wing, Nithin worked as the Manager of Data Analytics & Insights at Ujjivan Small Finance Bank. In this role, they led the Center of Excellence Analytics team for retail banking portfolios. Nithin successfully designed and launched an unsecured overdraft product based on RFM analysis and input from Credit Bureau.
Additionally, Nithin has held various positions at South Indian Bank, including Manager of Business Intelligence & Analytics. Nithin played a crucial role in designing and implementing a digital, instant, and unsecured personal loan using machine learning-based risk scoring. Nithin also optimized cash requirements for ATMs and implemented strategies for business expansion.
Overall, Nithin Thomas has showcased their expertise in data analytics, risk scoring, decisioning systems, and business expansion throughout their career.
Nithin Thomas has completed a bachelor's degree in Electrical and Electronics Engineering from Rajagiri School of Engineering and Technology. Nithin has also completed a post graduate program in Business Analytics with a focus on Data analytics from Great Lakes Institute of Management.
Wing
Wing Bank – is driven by the vision that everyone should have convenient access to financial services relevant to and for the improvement of their daily lives. Since introducing instant, secure, and convenient fund transfers in August 2008, Wing has revolutionised the way people access mobile financial services. Wing serves via our super app Wing Money App, nearly 10,000 Wing Cash Xpress agents, over 55,000 participating merchants, and partnerships with industry giants such as Mastercard, MoneyGram, AliPay, WeChat Pay, Western Union, Visa, and Ria. Wing provides an array of advanced financial products both for individual and corporate customers. These include loans, deposits, micro savings, credit referral services, money transfers, utility and insurance payments, and even phone top-ups. In addition, Wing offers retail payments via “WingPay”, and has also developed the “WingMall” e-commerce platform. Small and large companies alike are now also using Wing’s payroll and disbursement services, speeding up their payments. Wing s committed to improving financial inclusion for the unbanked and the under-banked, allowing every Cambodian to enjoy convenience and security when it comes to financial services.