Open to opportunities

Kamalabha Bhattacharjee

@kamalabhabhattacharj

Message

Senior credit risk leader driving portfolio optimization and data-driven risk strategy.

India

Message

What I'm looking for

I am seeking senior-level roles in risk strategy or analytics—preferably remote or hybrid—where I can lead data-driven credit risk initiatives, optimize portfolios, and influence cross-functional stakeholders for growth and loss mitigation.

I am a senior credit risk professional with over 13 years of experience across banking and fin-tech, leading credit risk strategy, underwriting, portfolio optimization, and collections initiatives for US and Indian products.

At Wells Fargo I lead Risk Analytics for Small Business Card operations, built and managed a high-performing risk analytics team, created unified data pipelines, and drove underwriting, line assignment and pricing changes that delivered a $132MM NPV gain annually. Previously I led portfolio and product-level risk strategies at JPMorgan Chase, YABX Technologies and other firms, improving payment performance, scaling disbursals, and delivering measurable NPV and revenue gains.

I combine advanced risk segmentation, predictive analytics, stress testing and stakeholder management to reduce losses and grow revenue. I seek senior-level roles where I can apply data-driven frameworks and cross-functional leadership to optimize portfolios and influence strategic risk decisions.

Experience

Work history, roles, and key accomplishments

Current

Vice President - Risk Analytics

Current

Wells Fargo

Nov 2022 - Present (3 years 7 months)

Lead strategic credit risk initiatives for Small Business Card operations, delivering a $132MM annual NPV gain through underwriting, line assignment, and pricing optimizations while building and managing a high-performing risk analytics team.

Credit Risk Management Underwriting Financial Modeling Stakeholder Management Team Leadership

Vice President

YABX Technologies

Jan 2022 - Nov 2022 (10 months)

Drove 5x micro-loan disbursal growth across African markets and improved 90 DPD payment rate from 60% to 85% by deploying advanced underwriting, credit limit strategies, and smart debit optimizations.

Micro Credit Underwriting Collections Optimization Revenue Growth Cross Functional Collaboration SOP Development Analytics

Assistant Vice President

JPMorgan Chase & Co.

Apr 2019 - Jan 2022 (2 years 9 months)

Led credit line assignment strategy for US Cards, delivering $56MM NPV improvement via recession-ready 'Marginal Controls' and increased product exposure to drive a $4.6MM NPV uplift for a card product line.

BTG Forecasting Pricing NPV Product Strategy Leadership

Senior Manager

Axis Bank

Apr 2016 - Apr 2019 (3 years)

Drove mutual funds and insurance business growth, developed INR 280Bn regional budgets, and increased revenue 12% via cross-sell strategies, earning recognition for outstanding business performance.

Portfolio Management Budgeting Cross Selling Market Analysis Sales Strategy Performance Optimization Stakeholder Management Regulatory Compliance

Senior Associate

Capital One

Jun 2013 - Apr 2016 (2 years 10 months)

Optimized US Cards collections strategy ensuring TCPA compliance, improved promise-to-pay rates by 16% via auto-dialer optimizations, and managed a 40K-customer multi-card collections program.

Collections Strategies TCPA Process Improvement Analytics Performance Tracking