Senior Manager - Risk Management

American Express•New York, NY

6d•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? This position is in US Consumer New Accounts Risk Strategy reporting into a Director. This role will be responsible for developing innovative solutions across targeting and underwriting processes - with the end goal of driving industry-best credit results while enabling profitable growth in new account acquisitions.

Requirements

Advanced Degree in a quantitative field such as Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science or MBA with hands-on experience in analytics.
Strong collaborative/interpersonal skills and ability to work in a dynamic, constantly evolving environment with strong attention to detail.
Project management skills with demonstrated proficiency in leading multiple projects simultaneously.
Outstanding strategic thought leadership with a focus on innovation.
Self-motivated, results-driven, intellectually curious and leads with external perspective.
Clear, effective written and oral communication skills.
Expertise in underwriting or another core credit risk management function.
Deep understanding of credit card economics and the payments industry.
Externally focused and aware of the latest technology and market trends in payment, credit trends, credit behavior and external development in the lending industry.

Responsibilities

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 life time 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 back-end 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% 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