Dhruva Garg

About Dhruva Garg

Chief Credit Officer with 15+ years building and scaling multi-billion-dollar lending portfolios, credit organizations, with AI-driven decisioning across Amazon and American Express. I currently serve as Global Head of Credit Risk Management for Amazon’s B2B Payments and Lending business, owning end-to-end credit strategy, governance, and AI innovation for a multi-billion-dollar global portfolio with two-digit YoY growth. I am known for architecting multi-year credit transformation roadmaps that marry profitability-based decisioning, advanced AIML models, and Generative AI with disciplined governance and sharp P&L ownership. At Amazon, I led the turnaround of a negatively profitable, operations-heavy credit function into a cohesive, data- and model-driven organization that has generated billions in incremental profitable spend while maintaining record-low loss rates. My leadership model blends “0-to-1 builder” and “scale operator”: I design the technical and organizational foundations and then build global teams and mechanisms that execute reliably year after year. I lead a global team across Product, Data Science, Credit Strategy, and Operations, and chair cross-functional credit committees that align portfolio strategy with risk appetite, financial objectives, and regulatory expectations. Earlier at American Express, I have led new product launches (digital banking, P2P spend on Credit card, lending products) and global capability rollouts across 21 markets. I have repeatedly been tapped to lead complex, high-visibility initiatives because I combine deep credit craftsmanship with clear, transparent communication that earns trust with senior leadership, regulators, and partners. Key Skills End-to-end credit risk ownership for multi-billion-dollar portfolios (consumer + B2B) AI/ML and Generative AI in credit decisioning, underwriting co-pilots, and portfolio automation Portfolio P&L management, profitability-based decisioning, and capital-efficient growth Enterprise credit governance, risk appetite frameworks, and regulatory orientation Global team leadership across Product, Data Science, Credit Strategy, and Operations New product launch in highly regulated environments (digital banking, payments, lending) Data-driven strategy, experimentation, and model-based decision frameworks First-principles problem solving and large-scale transformation leadership AREAS OF EXPERTISE Data Analytics • Leadership • Strategic Planning • AI/ML implementation • Global Risk Governance • Product Management • Digital Transformation • Risk Management

Experience

1. Global Head, Credit Risk B2b Payments & Lending

   Amazon

   May 2022 — Present · NY, US

   As Chief Credit Officer, own end-to-end credit strategy, governance, and AI innovation for Amazon’s global B2B Payments and Lending portfolio, covering a multi-billion-dollar short-term business line of credit product globally. Proven expertise in setting risk appetite, steering portfolio strategy, and chairing cross-functional credit governance forums to align growth, risk, and profitability.Key achievements:• Rebuilt the credit organization from an operations-centric team into a global, multi-functional group across Product, Data Science, Credit Strategy, and Commercial Underwriting, with clear operating mechanisms and success metrics.• Architected and executed a 3-year credit transformation roadmap covering acquisition, line management, and customer management, enabling $3B+ in incremental profitable spend with record-low loss rates and ~30% YoY portfolio growth.• Established foundational risk capabilities, including third-party data integrations, global risk models, risk segmentations, profitability-based decisioning, line optimization frameworks, and automated model monitoring for core credit models.• Led Generative AI transformation in credit, launching an underwriting co-pilot that automates ~90% of backend underwriting work and is targeting 2x efficiency gains, alongside agentic AI solutions that can reduce portfolio management activities and model development time by 50%.• Expanded access to credit for mid-market segments by improving approval rates while maintaining healthy loss outcomes, reducing credit limit related friction by 80%+ year over year.• Strengthened enterprise credit governance with clear operating guardrails for mature and emerging markets, revamped credit policy, and an experiment framework that enables faster innovation with appropriate controls.• Co-led strategic initiatives such as international launches, third-party lender partnerships, and long range planning, securing incremental funding for credit and GenAI initiatives.

Education

• Indian Institute of Technology, Bombay

  Dual Degree, Electrical Engineering (Communications & Signal Processing)

• ESCP Business School

  Masters in Management, Management

• Indian Institute of Management, Lucknow

  Master of Business Administration - MBA, Management

Skills

• Project Management
• Financial Modeling
• Business Relationship Management
• Data Analysis
• Management Consulting
• Risk Management
• Financial Risk
• Credit
• Management
• Business Analysis
• Analytics
• Consulting