Manager - Risk Management

American Express•New York, NY

About The Position

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service. 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 American Express. How will you make an impact in this role? This position is in US Consumer New Accounts Risk Strategy reporting into a director. The role sits at the intersection of credit risk, growth strategy, and applied Generative AI. You will be responsible for following: This position is in US Consumer New Accounts Risk Strategy reporting into a director. The role sits at the intersection of credit risk, growth strategy, and applied Generative AI. You will be responsible for following: sign and scale underwriting strategies that drive industry-leading credit outcomes while enabling profitable, premium growth in new account acquisitions Design and scale underwriting strategies that drive industry-leading credit outcomes while enabling profitable, premium growth in new account acquisitions Lead GenAI transformation in the team to automate workflows improving efficiency and elevating decision quality and customer experience You will partner across Risk, Marketing, Finance, Decision Science, and Technology to achieve the role objectives.

Requirements

Advanced degree in a quantitative field (Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science) or MBA with strong hands-on analytics experience.
Deep expertise in underwriting, credit risk strategy, or acquisition analytics, preferably in credit cards or payments.
Strong understanding of credit card economics, customer lifetime value, and acquisition funnels.
Demonstrated experience applying Generative AI in real-world decisioning, analytics, or strategy workflows.
Hands-on exposure to LLMs, prompt engineering, AI-driven automation, or decision support tools.
Proven ability to lead multiple complex initiatives in a fast-moving, ambiguous environment.
Strong collaboration and influence skills across technical and non-technical partners.
Outstanding communication skills, with the ability to explain complex insights clearly to senior stakeholders.
Self-motivated, intellectually curious, and externally oriented with a passion for innovation.

Responsibilities

Lead Gen AI transformation in the new accounts risk strategy team to improve efficiency, surface emerging risks and opportunities faster, elevate decision quality and customer experience.
Own and enhance acquisition strategies to increase premium acquisition and improve investment efficiency.
Own, enhance and manage Affiliate and targeted channel acquisition strategies driven by economics of lifetime value with industry-best credit results
Continuously monitor new account acquisition performance, conduct deep-dive analyses to explore areas of opportunity, and implement credit controls to address potential/emerging risks for core and targeted acquisitions across channels
Track developments of acquisition journey in the external marketplace to understand industry best practices.
Ensure adherence to credit risk compliance and sound risk management standards
Elevate customer experience by providing seamless underwriting and on-boarding experience
Influence Marketing and channel partners to enhance front-end backend decision consistency, optimize top of the funnel traffic and drive premium applicant quality
Manage partnership with Marketing, Risk Products & Data Strategy, Decision Science, New Accounts Servicing, Fraud, CBO teams to enable enterprise-wide innovations

Benefits

Competitive base salaries
Bonus incentives
6%25 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