Job Description

Job Description
You Lead the Way. Weve Got Your Back.

At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether were supporting our customers financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining whats possible - and were proud to back each other every step of the way. When you join TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.

Position Title: Manager/Senior Manager Risk Management - US Commercial Customer Management - Credit Risk

Job Responsibilities: This exciting global role within the Commercial Risk Management team will be responsible for managing the credit authorizations strategy across all the commercial businesses in American Express. Credit Authorizations is a Strategic Competitive Advantage of American Express as it is the core risk management engine behind our flagship charge card and other payment and lending products. This job will also provide an opportunity to gain insights on half a trillion dollars of global B2B payment transactions AMEXs closed-loop data is a core strategic advantage in the market place and this function will involve extensive data analytics using advanced techniques on this powerful dataset to arrive at smart Risk-Return Tradeoff decisions across millions of customer transactions.

1. Strategy Design & Execution: Design, develop and, implement Credit Authorizations policies, strategies, tools, techniques and capabilities to profitably manage credit strategies across small, medium and large business segments -- balancing off best-in-class economics and customer experience
2. Credit Analysis and Monitoring: Closely monitor portfolio credit performance and carefully tailor authorizations ruleset
3. Synergy across Customer Management functions: role requires close collaboration with related customer management functions and regional risk officers to roll out intelligent strategies to profitably manage and maximize customer relationships
4. Globalization: Partner with International teams to rapidly execute global risk strategies across US and multiple International markets

Job requires extensively partnering with cross functional teams across central risk strategy, regional risk officers, decision sciences, financial underwriting, technologies, world services, global credit administration, legal & compliance, marketing, finance as well as the sales and account development teams to develop the strategies and flawlessly executing the same.

High performing senior analysts will be considered for a manager promotion and existing managers or senior managers can consider for role diversification given the criticality of customer management function in COVID times

Minimum Qualifications

Required Skills/Qualifications:

* Analytics: Strong analytical/data mining and strategic problem solving skills
* High energy and drive to innovate and evolve existing products, policies and processes while effectively managing day-to-day processes
* Project Management: Detail oriented and organization skills; ability to manage multiple priorities/projects to effectively manage end-to-end process
* Communications: Ability to communicate effectively and work well in a matrix environment, working closely with cross functional business partners
* Technical Skills: Excellent Excel and PowerPoint, solid/strong SAS/SQL knowledge, Big Data, Hadoop, Machine learning and/or other statistical programming experience is a definite plus
* Prior experience in financial / credit services / payments / risk management or related area is a plus
* Knowledge of AMEX RIM systems and processes a definite plus

Educational Requirement:

* Advanced degree in a quantitative or engineering field preferred (Bachelors required; Masters and/or suitable combination of work experience preferred).

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.