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.

This is a Credit Risk Strategy role within Global Business Financing and Supplier Payments team. In this critical role you will ensure our team enables product growth and risk needs for the supplier payment product suite through the entire customer life cycle. This product suite comprises of exciting growth businesses which include Supply Chain Financing, Vpay, Business Travel Account, Corporate Meeting Cards, Corporate Purchasing Cards and AP Automation. You will drive high impact strategic projects in the payments space and have ownership of critical tools to mitigate Payment Risk, setting up Payment Capacity Framework and Risk Index. You will work in close partnership with colleagues across Risk, Product Management, Marketing, Finance, Compliance, Technologies, and Servicing. This position requires strong strategic, analytical, and cross-functional communication skills, and a proven ability to influence colleagues across American Express

If you are passionate about solving complex business problems and understanding how risk fits into product constructs, analytics, platform builds and strategy this is an ideal role for you.

Below are the principle responsibilities for this role:

* Work with business partners to design effective credit and fraud risk management strategies in high growth, non-traditional products
* Work hand in hand with partner teams, oversee the end to end underwriting strategy, including capacity allocation, and build robust customer management strategies and drive business growth while managing credit losses
* Review and improve risk management policies as it relates to these products, seeking global consistency and supporting partner goals
* Monitor and analyze portfolio trends and diagnose losses (which may be spread in multiple P&Ls;) to inform risk management and business strategies
* Work with business partners to enhance value proposition, improve customer experience and strengthen regulatory and compliance alignment. Diagnose operational opportunities to improve the customer experience and manage risk
* Learn platforms and system basics in order diagnose issues that may arise with products
* Drive deep-dive analytics to enhance economic logic that supports core risk management decisions

Minimum Qualifications

* A strong balance of strategic and analytic acumen, with a high level of intellectual agility, curiosity, and capacity for original and innovative thoughts
* Ability to serve as a bridge between risk and technologies to provide requirements, map systems and identify relevant existing and potential data, with an eye towards building for global scalability
* 3+ years of experience in credit, fraud or settlement risk management in capabilities, underwriting, customer management, and/or fraud or as a portfolio credit officer. OR 3+ years in strategy consulting
* Ability to cope with ambiguity and complexity, managing a multitude of projects and relationships
* Exceptional analytical and quantitative skills (Masters in an analytical field or MBA preferred)
* Implements and manages change effectively
* Ability to quickly gain respect from and add value to any team
* Strong communication skills, both verbal and written, to all levels of the organization

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.