Ashwini Gupta — President of Credit Risk & Global Information Management at American Express

Mr. Ashwini Gupta, also known as Ash, has been the President of Credit Risk and Global Information Management at American Express Company (Amex) since February 2016 and served as its Chief Risk Officer and President of Risk & Information Management & Banking Group since July 2007 until February 2016. Mr. Gupta has been employed with Amex since 1976 and served as its Executive Vice President since July 2007. During his tenure with American Express, he has held a wide variety of senior positions including Chief Executive Officer of American Express Centurion Bank; Senior Vice President, Executive Vice President and Chief Credit Officer for a wide range of consumer and institutional businesses and as Chief Financial Officer for the Consumer Card and Travel Businesses. Over the last two decades, Mr. Gupta has been instrumental in building forward-looking risk evaluation, control and monitoring capabilities that have contributed to American Express' industry-low credit and fraud write-off rates, strong liquidity and market risk controls while maintaining a focus on customers. He has promoted simplification and globalization of core processes for effective compliance and operational risk controls. Under Mr. Gupta's leadership, American Express has been one of the early users of big data and open source platforms within the financial services industry. Mr. Gupta has served the American Express across his entire professional career holding broad leadership positions within Risk Management, Information Management, US Banking, Finance and Strategic Planning. Through this experience, he has developed an informed understanding and appreciation for opportunities and challenges within and across all businesses, including charge, credit card, prepaid, merchant, network and travel businesses. He remains a strong proponent of diversity and inclusion. He served as the Chairman of American Express Centurion Bank. He has been a Director of Encore Capital Group, Inc. since September 2015. He has been a Director of Symphony Teleca Corporation since July 2013. He serves on the board of Big Brothers Big Sisters of New York, a Trustee for University of Pennsylvania School for Advanced Studies for India and serves a variety of charitable organizations focused on education and children. He serves on the Advisory Board of South Asian Youth Action. He is involved with organizations focused on education and the arts. Mr. Gupta earned an MBA from Columbia University in 1977 and a bachelor's degree in Engineering from Indian Institute of Technology (IIT), Delhi in 1974.