Senior Manager-Risk Management

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 we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

The role is part of American Express’s Credit and Fraud Risk (“CFR”) business unit and the Global Commercial Services (GCS) group. CFR follows the company’s commitment to risk management by identifying and implementing key revenue and risk drivers, Big Data capabilities and skills, and understanding of the Company’s traditional and FinTech competitors. Professionals working in the CFR organization are responsible for leveraging highly specialized quantitative skills towards judicious management of write-offs across strong and challenging economics, along with informed risk trade-offs, which are central to great bottom line and top line results of the Company. Risk management thus requires professionals with a highly specialized set of skills and expertise in quantitative analysis; management of large, complex datasets; and the ability to derive actionable insights from business intelligence to drive this critical function.

How will you make an impact in this role?

The key responsibilities include:

• Drive in-depth portfolio analytics and collaborate with different cross functional team including New Accounts, Decision Science, Line management and customer management team to develop action plan to mitigate risk.
• Develop strategies and controls to design new products, utilizing the existing modular capabilities and ensuring scalability and speed to market across lending portfolio.
• Develop knowledge of internal processes and leverage existing risk strategies and systems to increase efficiencies and scalability across products.
• Manage and prioritize investments and requirements across products.

• Work closely with cross-functional teams–product, finance, servicing, technology – to design and execute flawless implementation. Manage written and verbal communication with key project sponsors and senior leadership.
• Superior thought leadership, project management and analytical thinking with demonstrated proficiency in simultaneously managing multiple projects.
• Credit Risk Management experience with an in-depth understanding of the end-to-end credit lifecycle, as well as an in-depth understanding of credit metrics and processes.
• Proven ability and self-sufficiency to translate business priorities into executable strategies.
• Ability to build strong relationships, drive, and influence within large cross-functional teams.
• Utilize industry and internal risk management best practices and incorporate regulatory feedback as needed to recommend risk control methods and drive continuous improvement in risk management methodologies and frameworks.

Minimum Qualifications

• A Bachelor’s or advanced degree in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, or Engineering
• Advanced degree is preferred but not required given a suitable combination of formal education and work experience
• Risk management experience with strong analytical and quantitative skills
• Credit/Fraud risk management experience and understanding of credit lifecycle is preferred
• Hands-on experience working with large datasets; familiarity with Hive, Python, R, SAS, SQL, and/or other similar programming languages
• Creative thought leadership, bold ambition, and an ability to win
• Blend of analytical skills, process expertise, project management and relationship-building skills
• Ability to think strategically and apply both quantitative methods and business insights to drive results
• Ability to build strong relationships in a cross-functional environment
• Clear, effective written and oral communication skills

Salary Range: $90,000.00 to $165,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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