Senior Analyst - Risk Management

American Express • New York, NY

76d • $65,500 - $102,500

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. American Express Global Commercial Services (GCS) is a leading issuer and provider of Commercial products and services. GCS provides a suite of payment and lending products, solutions for travel and everyday spending, cross border payments, global currency solutions, and business financing. The Commercial Credit Risk team in the Credit & Fraud Risk (CFR) organization is responsible for powering the GCS business by defining the GCS Risk strategy while delivering a superior customer experience. This position is focused on Small Business New Accounts Underwriting and brings an exciting opportunity to define the underwriting policies, onboarding process for small businesses and cross-selling to existing customers. Within the broader credit risk organization, this team supports the success of the Global Commercial Services business unit through innovative solutions that help enable profitable growth via acquisition while maintaining robust low tenure credit performance. The role is highly visible and will require strong collaboration across a variety of functions, including but not limited to Risk, Product, Marketing, Decision Science, Compliance, etc. to develop best in class strategies and capabilities to support our customers.

Requirements

• Bachelor's degree plus 2 yrs work experience or Master's degree in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science.
• Blend of analytical skills, process expertise, project management, and relationship-building skills.
• Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language.
• Ability to think strategically and apply both quantitative methods and business insights to drive results.
• Clear, effective written and oral communication skills.

Nice To Haves

• Advanced degree is preferred but not required given a suitable combination of formal education and work experience.
• Credit/Fraud risk management experience and understanding of credit lifecycle is preferred.

Responsibilities

• Be responsible for new accounts decisions for US Commercial Small Business Products from a risk perspective.
• Drive Core Underwriting risk strategies to determine approval and decline decisions for customer applications leveraging core risk infrastructure.
• Partner with marketing partners and targeting teams to harmonize underwriting and targeting.
• Work with and influence Product, Marketing, and Finance teams within the GCS organization and broader credit and fraud risk organization to design and implement critical initiatives.
• Ensure control, compliance, and operational risk mitigation in all processes and design for a streamlined user experience across customer touch points.

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree