Hima Bindu Kalisetty
Manager - Credit Risk, American Express
Bengaluru
Summary
Strategic and results-driven Risk Analytics professional with 6+ years of experience in credit risk, data infrastructure, and cross-functional leadership at American Express. Proven track record in leading high-impact initiatives, including GenAI-driven automation and risk strategy redesigns with multimillion-dollar outcomes. Adept at managing high-performing teams, driving stakeholder alignment, and building scalable solutions that enhance operational efficiency and decision-making
Overview
10
10
years of professional experience
6
6
years of post-secondary education
Work History
Manager, Strategy
American Express
04.2024 - Current
- Manage and mentor a team of three high-performing analysts, driving the redefinition of the merchant credit risk strategy at American Express.
- Initiated and secured leadership buy-in for a GenAI-powered solution addressing industry classification gaps, projected to unlock over $40 million in annual financial impact.
- Led cross-functional collaboration and GEN AI council approvals to accelerate the delivery of a scalable solution.
- Built and scaled critical data infrastructure, enhancing visibility into key risk metrics, and streamlining monitoring workflows across Credit and MA Risk teams
- Partnered with 8+ cross-functional teams, including Tech, Risk, Product, and Strategy, to lead the end-to-end delivery of high-visibility automation initiatives, with an annual financial impact of $2MM
- Developed executive-level presentations and strategic updates for leadership, influencing high-stakes decisions around AI adoption and risk priorities.
Assistant Manager – Risk Strategy & Analytics
American Express
01.2022 - 04.2024
- Drove growth in the Australian Corporate cards market by identifying new creditworthy segments
- Proposed new CLTV framework with adjusted risk cut-offs helping identify new customer segments
- Validated the model on 2-year customer acquisition data for Australia, Mexico and UK markets
- Conservative impact of ~$1MM USD in first year of rollout; YOY ~3% estimated increase in PTI
- Integrated new Tax invoice data into our internal credit risk database post exploratory analysis for data utility and predictability.
- Recognized 7 pivotal risk-discriminating variables from ~250 variables sourced from the bureau
- Automation and streamlining of Argentina Corporate Cards Underwriting
- Migrated Argentina market from manual process to a modernized risk UW platform
- Defined the risk procedures and risk rules for corporate cards Underwriting
- Estimated PTI impact for streamlining the UW process and tracking is ~2MM in the first year
- Portfolio risk performance reporting - CANAC escalation metrics
- Monitored risk performance metrics for 21 markets on post-acquisition performance
- Identified escalations, analysed root causes by collaborating with market risk, CBO & portfolio teams
- Presented the findings to senior leadership from time to time
- Spearheaded the E2E integration of Coface (credit bureau) with Application orchestrator
- Owned the requirements, e2e planning, testing and delivery of the project
- Successfully rolled out the change for 10 markets with a total estimated PTI impact of ~$2MM
- Impact & Recognition
- “Amex Blue Rewards” – FY22; Twice “Analyst of the Quarter” award in Q3’22 & Q2’23
Assistant Manager
Ujjivan SFB
04.2019 - 12.2021
- Product & Analytics:
- Enabled the digital marketing campaigns using RFM analysis on retail customer base (~12 lakh cust)
- Developed analytics dashboards for tracking our deposits performance by branches (~500 branches)
- Devised collections strategy using credit bureau data for our micro banking team serving (~6 lakh Cust)
- Trained a team of 100 plus collection managers on the new strategy
- Management Trainee – Personal Loans:
- Enabled our sales team (150 headcount) with insights and recommendations
- Conceptualized new events in collaboration with our marketing team for sourcing new loans
- Awarded for increasing the Personal Loans (PL) m-o-m business by 23%
Associate
Cracku.in
12.2015 - 03.2017
- Increased the number of daily visits on cracku's blog by 15%(YoY), by using SEO optimization
- Part of content creation team and marketing team, responsible for 3 lakh bank & MBA aspirants
Education
MBA -
Indian Institute of Management Udaipur
01.2017 - 01.2019
B.Tech - Mechanical Engineering
JNTU Kakinada
04.2011 - 01.2015
Skills
Team leadership
Data analytics
Portfolio management
Credit Risk Strategy
Power BI
SQL
Python
Timeline
Manager, Strategy
American Express
04.2024 - Current
Assistant Manager – Risk Strategy & Analytics
American Express
01.2022 - 04.2024
Assistant Manager
Ujjivan SFB
04.2019 - 12.2021
MBA -
Indian Institute of Management Udaipur
01.2017 - 01.2019
Associate
Cracku.in
12.2015 - 03.2017
B.Tech - Mechanical Engineering
JNTU Kakinada
04.2011 - 01.2015