Ruchi Khera

General Manager Pricing, Small Business Lending @ JPMorganChase

About

* 18+ years of international business experience in Advanced Analytics, Data Science & Lending Strategy * Passionate about creating customer centric & profitable strategies * Proponent of machine learning use cases, product and process innovation and customer experience * Experienced in building and managing diverse and high performing analytics teams across geographies Specialties: Data Science | Advanced Analytics | Strategy | Small Business Cards | Underwriting | Credit Risk | Pricing & Yield Management | Onboarding & Customer Experience | New Product Risk Management | Loyalty Marketing

Country

United States

City

New York City Metropolitan Area

Industry

Financial Services

Skill

Credit Risk Management, Product Development, Customer Journey , Underwriting, Portfolio Analytics, Small Business Lending, Financial Underwriting, Pricing Strategy, Portfolio Performance Analysis, Product Analytics, Customer Experience, Machine Learning, Data Science, Cross-functional Team Leadership, Statistical Modeling, SAS, Business Development, Business Analytics, Predictive Analytics, Retail

Experience

General Manager Pricing, Small Business Lending

JPMorganChase

2026-2 - Present · 8 mos

Vice President, CCO Small Business Credit Cards

American Express

2023-5 - 2025-6 · 2 yrs 2 mos

New York, New York, United States

Vice President, Small Business Lending & Pricing

American Express

2021-11 - 2023-5 · 1 yr 7 mos

New York, United States

Director, Credit Risk - US Small Business

American Express

2019-8 - 2021-11 · 2 yrs 4 mos

New York, New York, United States

- US Small Business : Card Acquisitions & Onboarding - New Product Risk : SBA PPP Loans, Kabbage Business Banking & Payments - US Small Business : Pay Over Time & Pricing

Director/Sr. Manager, Credit Risk - US Non Card Lending

American Express

2015-1 - 2019-8 · 4 yrs 8 mos

New York, New York

Developed the first automated underwriting strategy for merchant loans, establishing a net-new capability and designing the end-to-end customer journey. Led targeting, cross-sell acquisition, underwriting, portfolio analytics, pricing, new product development, and risk onboarding roadmap.

Senior Manager, Campaign Management & Analytics

American Express

2013-8 - 2014-12 · 1 yr 5 mos

Gurgaon, Haryana, India

Led a team to manage marketing campaign strategy, execution and analytics for 6 international markets in JAPA and EMEA

Manager, Communication & Media Consulting, Tesco EMEA Markets

dunnhumby

2010-3 - 2013-7 · 3 yrs 5 mos

Gurgaon

Marketing Campaign Analytics for CPG clients at Tesco, Loyalty Marketing Analytics for Cross Channel, Personalized Offers & Communications

Assistant Manager, Credit Card Decision Science

Citi

2006-2 - 2007-10 · 1 yr 9 mos

Co-brand and Retail Credit Card Analytics - Balance Transfer Campaign Targeting & Analysis (Response Model, Experimental Design, Segmentation), Pricing Analytics, Card Migration Strategy