Manager-Risk Management

American Express•New York, NY

1d•$89,250 - $150,250•Hybrid

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. 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? Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior. At the manager level, the employee does not have a people leadership role but is often viewed as an emerging expert in the field. Focuses on resolution of complex problems. Conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization. This position is part of Credit and Fraud Risk Organization, focused on Commercial New Accounts Underwriting. The role brings an exciting opportunity to innovatively define Client and Card Member Onboarding experience while reducing the early tenure credit losses for Middle to Large and Global Clients. The role is highly visible and will require strong collaboration across a variety of functions, including but not limited to Risk, Technology, Decision Science, Product, Marketing, Sales etc to develop best in class strategies and capabilities to support our customers.

Requirements

Advanced degree (e.g., MS, PhD, or MBA) in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science
Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language
Thought leadership and solution-oriented mindset
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

Nice To Haves

Credit/Fraud risk management experience and understanding of credit lifecycle is preferred
Blend of analytical skills, process expertise, project management, and relationship-building skills
Advanced degree is preferred but not required given a suitable combination of formal education and work experience

Responsibilities

Own end to end capability roadmap for transformation of existing Client acquisition journeys
Conduct data analysis for quantitatively designing profitable Client/Card Member acquisition frameworks and strategies with a keen focus on portfolio growth
Manage data strategy, data contribution policy, and relationships with strategic third-party data providers.
Identify, evaluate, and integrate new data sources and capabilities into decision-making
Lead with an external focus, track developments in the marketplace to understand industry best practices
Develop and continuously enhance policies, processes, and controls for mitigating credit risk exposure and preventing fraud
Continuously monitor new account performance and react quickly to potential/emerging issues
Collaborate with colleagues across the enterprise to leverage partnerships, data, and services to drive innovative solutions to business challenges
Maintain an effective control environment and respond to operational breakdowns with discipline
Effectively communicate strategies to a broad spectrum of audience including senior leadership
Drive operational excellence and ensure full compliance with regulatory requirements

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