Gandhi Eswaramoorthy is a Senior Program Manager for Debt Collections within the Consumer Credit, Payments, and Deposits Markets group of the Division of Research, Markets and Regulations at the Consumer Financial Protection Bureau. Prior to joining the Bureau in 2017, Gandhi has spent more than 25 years working on all aspects of credit card risk management including risk modeling, account management, collections and recovery policy and strategy at several large card issuing banks. Gandhi has a PhD in Agricultural Economics from Iowa State University, Ames, Iowa.