Gunjan Handa

About Gunjan Handa

I am a Commercial Credit and Lifecycle Strategy leader with 20 years of experience across - modernizing credit capabilities across underwriting, onboarding, exposure management, financial relief, collections, and portfolio management. My background spans consumer and commercial lending, applying analytics, data, and cross-functional execution to design scalable, customer-centric credit solutions.I’ve led digital transformation initiatives in underwriting, launched new decisioning capabilities, built financial-relief and self-serve collections experiences, and shaped credit strategies across Commercial Lending, Small Business Cards, Working Capital, Merchant Finance, Term Loans, and Workout programs. My approach blends credit expertise with product thinking—aligning strategy, customer needs, and operational realities to deliver strong portfolio and customer outcomes.I am known for structuring complex problems, navigating ambiguity, and influencing across Product, Engineering, Data Science, Legal, Compliance, and Operations to deliver enterprise capabilities. I have supported multiple OCC/FRB exam cycles, strengthened governance frameworks, and improved lifecycle decision quality across markets.I am also deeply invested in developing people—building high-performing teams, coaching emerging leaders, and creating clarity, alignment, and momentum across organizations.

Experience

1. Vice President - Commercial Underwriting

   American Express

   Jul 2021 — Present

Education

• Hansraj College, Delhi University

  BA(H), Economics

  1999 — 2002

• Delhi School of Economics

  MA, Economics and statistics

  2003 — 2005

• CIE, Delhi University

  B.Ed., Economics

  2002 — 2003

Skills

• Marketing Analytics
• Risk Analytics
• Statistical Modeling
• Banking
• Logistic Regression
• Risk Management
• Team Management
• Analytics
• Business Strategy
• Sas
• Sas Programming
• Business Analytics
• Strategy
• Segmentation
• Portfolio Management
• Quantitative Analytics
• Predictive Modeling
• Credit Risk
• Analysis
• Predictive Analytics
• Marketing Amalytics
• Credit Cards
• Financial Risk
• Credit Scoring
• Economics