Job Description
This is a data analytics and credit portfolio management role which manages credit risk for Consumer and Commercial portfolios. The incumbent will be responsible for managing risk throughout the lifecycle of American Express credit products by supporting the market to drive profitable business growth while effectively managing credit losses to acceptable levels and providing an outstanding customer experience to our Cardmembers.
Responsibilities
- Designing, developing and implementing risk strategies and initiatives for the region to profitably grow billed business, while controlling net loss provision and improving client satisfaction.
- Effectively interacting and collaborating with colleagues from the central Risk Management organization, as well as Operations and Business teams to develop, enhance and implement approved credit strategies and processes.
- Deeply understand and closely monitor key credit performance metrics for the portfolio, assessing trend implications, diagnosing problems and identifying opportunities for improvement or corrections.
- Running ad hoc analytics and reports to identify potential emerging risks and performance issues.
Qualifications
- Exceptional analytical and problem-solving skills with experience to lead and perform data analytics.
- Effective communication and presentation skills with the ability to influence others and build strong relationships
- Self-starter with an ability to work independently in a dynamic, fast changing environment and with a strong attention to details.
- Strong analytical skills with programming language knowledge in SQL, Python is required
- Experience/Familiarity with Big Data is required
- Understanding of / experience in analyzing and interpreting company financial statements for risk assessment and decision-making is required
- Understanding of or experience in risk management principles with underwriting and customer management knowledge is preferred.
- GenAI experience is a plus
Education Requirement
- Bachelor's degree required in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study.
- Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred.
About Us
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you'll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
About The Team
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
- Competitive base salaries
- Bonus incentives
- Support for financial-well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- Generous paid parental leave policies (depending on your location)
- Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
- Free and confidential counseling support through our Healthy Minds program
- Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
