**You Lead the Way. We've Got Your Back.**
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities, and each other. Here, you'll learn and grow as we help you create a career journey that's unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you'll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company's success. Together, we'll win as a team, striving to uphold our company values and powerful backing promise to provide the world's best customer experience every day. And we'll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let's lead the way together.
**How will you make an impact in this role?**
American Express Credit and Fraud Risk (CFR) leads end-to-end credit risk management of our consumer and commercial businesses. This entails developing and implementing strategies across customer life cycle - targeting, underwriting, credit limit management, ongoing customer management and collection activities to deliver profitable business growth without adverse surprises while providing an outstanding customer experience.
The credit risk team leverages cutting edge analytical techniques to generate insights from data to drive optimal decisions that balance growth with acceptable risks. The credit risk team works in close partnership with cross-functional teams across geographies and interacts extensively with external entities such as credit bureaus, new data providers and start-ups to develop and implement products and strategies.
**Responsibilities**:
- Designing, developing and implementing risk strategies and initiatives to profitably grow consumer card business, while controlling net loss provision.
- Leveraging industry best practices and data assets for continual risk strategy and process improvement.
- Effectively interacting and collaborating with colleagues from the central Risk Management organization, as well as Operations and Marketing teams to develop, enhance and implement approved credit strategies and processes.
- Deeply understanding and closely monitoring the key metrics of the credit performance for the portfolio and the implications on trends, diagnosing problems and identifying opportunities for improvement and/or corrections.
- Running ad hoc analytics and conducting independent risk assessments across various processes to identify potential emerging risks and performance issues.
- Monitoring and understanding regulatory and industry developments and proactively identifying areas of threats and/or opportunities.
**Minimum Qualifications**
- Bachelor's degree required in Physics, Chemistry, Computer Science, Maths, Statistics, Engineering, Economics or similar quantitative field of study.
- Exceptional analytical and problem-solving skills with experience to lead and perform data analytics.
- Track record of driving results with strong thought leadership and ability to manage multiple projects simultaneously.
- Deep understanding/experience of risk management principles with underwriting and customer management knowledge.
- Flexibility and ability to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive changes.
- Effective communication and presentation skills with the ability to influence others.
- Self-starter with an ability to work independently in a dynamic, fast changing environment and with a strong attention to details.
- Work experience with Python required.
We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
- 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