Ash retired from American Express in 2018 after 40 years of continuous service and for many years was the company’s Chief Risk Officer. In this role, he led the company well through the Great Recession. Most recently, he served as the President of Global Credit Risk and Information management – a team of over 1,000 data scientists - bringing Big Data, Machine Learning and AI into Amex’ DNA across marketing, risk management and servicing. Earlier, he was the Chairman and CEO of the Company’s U.S. banks, overseeing $75+ billion assets. Ash was the (Co) Leader in founding Small Business Lending and Merchant Financing businesses, and building an AI based Commercial Risk and information Management at American Express. Following retirement from American Express, Ash has taken a role in serving companies focused on Payments and AI. Currently, he is an Advisor to, Global Consulting firm - Oliver Wyman, Chair of Compensation Committee for Encore Capital Group (NASDAQ: ECPG); Chair (and co-founder) for Corridor Platforms Inc.; Board member, Tomo Credit. Previously, he served as a board member and Audit committee chair for Symphony Teleca Corporation (sold to Harman International in 2015). Ash has an MBA from Columbia University and a B. Tech in engineering from IIT Delhi (distinguished alumni, 2006). Ash serves on the boards for Big Brothers and Big Sisters of New York, National Association of Corporate Directors (New York Chapter). He and his wife reside in New York City.