Senior Manager, Consumer Credit Review - Risk Data Analysis

American Express•New York, NY

4d•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. Position Summary The Manager, Consumer Credit Review, will perform the Consumer Credit Review function within the third line of defense at American Express - reporting to the Director of Consumer Credit Review. This position is responsible for leveraging data driven analysis to delivering end-to-end credit review activities for all consumer and small business portfolios and products. It requires a balance of strong consumer and small business credit acumen, operational execution, and adherence to regulatory expectations for independent credit review functions. Please note that this is an Individual Contributor role.

Requirements

3+ years of experience in consumer credit risk management or data analytics.
Bachelors degree in a quantitative, financial, or business discipline.
Ability to work with large datasets and perform analysis using SQL, Python or similar tools.
Familiarity with the consumer credit lifecycle and associated risk controls.
Strong analytical and documentation skills; detail-oriented and intellectually curious.
Ability to manage time and tasks effectively under minimal supervision.

Nice To Haves

Advanced degree in a quantitative, financial, or business discipline.

Responsibilities

Conduct analytical reviews to evaluate credit decisions and adherence to underwriting and account management policies
Identify internal and external emerging risks based on ongoing monitoring
Document workpapers clearly and thoroughly, with sufficient support for findings and conclusions
Identify and escalate potential credit weaknesses, process gaps, or credit decision inconsistencies
Support portfolio analytics, monitoring, and sampling by working with credit and performance data
Use tools such as SQL, Python, or similar platforms to work with large datasets and conduct analysis in support of reviews
Assist with the preparation of reports, dashboards, and governance materials
Participate in continuous improvement efforts related to methodology, templates, and credit risk review standards

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