Manager-Risk Management

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. As part of Team Amex, you’ll experience this 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 AmericanExpress. 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. Primary responsibilities will include: End-to-end ownership of underwriting strategies for new accounts and line management for Mexico. Designing, developing and implementing strategies to profitably grow the consumer card business, while controlling net loss provision. Managing the relationship and data strategy with the local credit bureau(s) and other information providers, including monitoring of data quality. A critical component of the job will be to drive the credit risk strategies and evaluations of partnerships with data providers, fintechs, and other services that enhance credit risk processes. 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. 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. Demonstrated ability to lead a high‑performing team, maintaining their motivation and enabling their development. 3+ years of experience in credit risk analytics. Work experience with SAS/SQL required. Familiarity with Big Data and Machine Learning will be an advantage. Education Requirement: Bachelor’s degree required in Maths, Statistics, Engineering, Economics, or similar quantitative field of study. Advanced degree in Business, Finance, Statistics, Economics or Mathematics, or other degrees supplemented with relevant work experience will be considered. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. 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. #J-18808-Ljbffr