Jukti Bhatia has been elevated to Director at American Express, marking a significant milestone in her professional journey. In this leadership role, she is driving strategic initiatives to scale debit card portfolios, leveraging her expertise in credit risk, fraud strategy, and banking risk management.
Her current mandate focuses on strengthening decision-making frameworks, optimizing fraud dispute management, enhancing merchant recoveries and chargeback processes, and improving servicing operations. Her work is expected to play a key role in building more resilient and efficient risk systems within the organization.
Her journey at American Express reflects a strong and consistent growth trajectory, having progressed through roles such as Assistant Manager, Risk Manager, and Senior Manager. During this time, she has been instrumental in launching and scaling debit card programs, while advancing POS fraud prevention strategies and strengthening overall risk management capabilities.
Prior to this, she worked at Wells Fargo as a Credit Portfolio Consultant and Analytic Consultant. She also gained early experience through internships at Wells Fargo, EY, and HDFC Limited, where she built a strong foundation in risk analytics, collections strategy, and data-driven decision-making.
Her elevation underscores her deep domain expertise and the organization’s confidence in her ability to drive impactful, data-led risk strategies in a highly dynamic financial environment.
