Chiranjib Gupta
Accomplished Financial Service Executive
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About
Chiranjib Gupta is a highly accomplished financial services executive with extensive expertise in Credit Risk Management, AI/ML-driven Risk and other Modeling, and Strategic Decision Science.
Experience
Chiranjib has led high-impact risk management initiatives at Goldman Sachs, J.P. Morgan Chase, and Discover Financial Services, where he has built AI-powered credit decision platforms, advanced risk appetite frameworks, and loss forecasting models to drive sustainable and profitable growth. His expertise spans credit cards, personal loans, mortgages, auto lending and SMB lending, with a strong focus on risk governance, regulatory compliance, and portfolio optimization.
Education
With a Ph.D. in Economics, Chiranjib brings a deep analytical approach to credit risk strategy (Underwriting, line and portfolio risk management, collections), stress testing (CECL, IFRS9, CCAR/DFAST), and AI-driven underwriting. His leadership in implementing data-driven credit policies and responsible AI solutions has delivered measurable business impact while ensuring sound risk controls.
