Deep Experience
It takes many years and a few economic cycles to understand and effectively manage credit risk patterns in a sustainable way.
Our seasoned and experienced team has collectively managed over $75B+ in consumer and small business credit portfolios at large financial institutions through many credit cycles. We have combined 50+ years in credit risk management, underwriting, analytics, etc. through multiple recessions.
Our extensive experience in advanced big data analytics and techniques help us combine leading risk analytics with time tested credit intuition.
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Ash GuptaChairman- 40+ years experience
- Worlds leading expert on Consumer and Small Business Credit
- Pioneer in defining and growing credit products globally
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Manish GuptaCEO- 24+ years of experience in financial services
- Chief Credit Officer for leading credit provider
- Launched and ran credit businesses with multi-billion dollar P&L
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Jean-Paul NdongCIO- 18+ years of experience in advanced credit analytics
- Ran underwriting and pricing at leading credit provider
- Experience running risk at marketplace lending platform
Manish Gupta
CEO, Corridor Funds
Manish is a seasoned credit professional having worked across almost all facets of the lending industry
over 24 years, from running risk management globally for commercial and consumer lending through
multiple credit cycles, to innovating and designing new credit products and managing large P&L’s
as a General Manager.
He launched Corridor Funds to bring together a team of highly seasoned credit professionals and the
most advanced analytical capabilities - to provide non bank institutional investors an ability
to invest in consumer and small business lending with the same confidence and rigor as some of
the leading banks in the world.
Prior to launching Corridor, Manish was Executive Vice President and Head of Global Information Management
and Advanced Decisioning Platforms at American Express and was responsible for migrating Amex
analytics to a global centralized Big Data and Machine Learning Platform. As one of the top 25
senior leaders at AMEX he was a member of the Global Management team, a core group of executive
leaders who help set strategy and direction for the firm
Prior, Manish was EVP and General Manager of OPEN Products and was responsible for the development
and marketing of the company's suite of products and features designed for small businesses in
the United States; before that he held the position of EVP Global Network Services – Americas
and led the company’s efforts to develop, sustain and grow the network and franchise business
throughout North America, Latin America and the Caribbean. Manish also incubated and launched
the American Express Merchant Cash Advance Business.
Throughout his career Manish also held key roles in risk management including being the Chief Risk
Officer of the U.S. Consumer Card Business and the Chief Risk Officer of the Global B2B Group
(American Express commercial business’). Earlier in his career Manish established a strategic
foundation during his ten years as a management consultant/Partner at some of the leading consulting
organizations. Manish has an MBA and an Engineering degree.
Jean-Paul Ndong
CIO, Corridor Funds
Jean-Paul is a senior risk management executive with 18 years of experience in consumer and small
business lending. He spent fourteen years at American Express, taking on positions of increasing
responsibility and seniority within the Risk Management group, both in the US and in the UK.
In his last role at American Express, he ran the US Lending and Portfolio Management function after
having led the underwriting and pricing function for the same division for two years. In these
positions, he played a critical role in the development of a post-recession lending strategy
at American Express while championing the creation of new products and lending risk management
capabilities. Prior to that, Jean-Paul was the Chief Credit Officer of the American Express UK
Consumer business for 3 years, working closely with the UK executive team to manage the business
through the Great Recession.
Most recently, Jean-Paul was actively involved in Marketplace Lending, holding the position of Chief
Credit Officer at DigiFi, a technology company that provides digital lending solutions to banks
and at Promise Financial, an Online Lending platform that was issuing loans to US consumers.
In these roles, he led the end to end development of a best in class loan underwriting, portfolio
management and performance tracking frameworks and worked closely with the technology teams to
implement them.
Jean-Paul earned a Master in Strategic Management from HEC Business School in Paris and Master in
Statistics and Economic engineering from the National School of Statistics and Economics in Paris.
Ash Gupta
Chairman, Corridor Funds
Ash Gupta is widely recognized as a leading expert in consumer and small business credit and fraud risk management. He has
driven industry-wide innovation in credit/fraud risk, marketing and customer experience and successfully
transitioned American Express from traditional analytics to Big Data, Machine Learning and AI.
Ash retired from American Express in 2018 after 40 years of continuous service and for many years was the Chief Risk Officer
of the company reporting to the CEO and the Board. As the President of Global Risk and Information
management teams, he was instrumental in navigating American Express successfully through the
great recession. Early in his career, he was the chairman and CEO of the Company’s U.S. banks,
overseeing more than $75 billion in assets and positioning them to be effective vehicles for
product innovation and liquidity. He also served as the Chief Financial officer of the Company’s
U.S. card and travel businesses.
He is currently, Chairman of Compensation Committee at Encore Capital Group (NASDAQ: ECPG), Chairman
of the board at Corridor Platforms Inc., a board member of Nova Credit, and an advisor to venture
funds, consulting companies and startups.
One of Ash’s critical expertise is to guide technology start-ups and venture funds to create winning partnerships by collaborating
with public companies as well as to build muscle in both innovation and execution. In addition,
Ash has a deep and practical understanding on how to become and excel as a data driven enterprise.
Ash has an MBA from Columbia University and a B. Tech from IIT Delhi (distinguished alumni, 2006). Ash serves as a board
member for Big Brothers and Big Sisters of New York and (as an advisory) board member for South
Asian Youth Action. He and his wife reside in New York City.