Senior Manager - Risk Management
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. The Blueprint Line of Credit, New Accounts Credit Risk Strategy team is looking for a manager to develop and drive new accounts strategies.
Requirements
- Master’s/Bachelor’s degree in Statistics, Mathematics, Engineering, Finance/Economics or a related quantitative field is required.
- 4+ Years of Credit-related analytics experience preferably in a risk management context.
- Knowledge of US consumer/commercial lending and credit risk management practices – Business Loans/Cards, credit card, personal loans, mortgage lending experience ideal.
- Coding skills in SQL or Python is required. Hands-on exposure is a must.
- Ability to think logically, critically, and constructively about complex problems, clearly communicate findings, and propose solutions that address expressed needs.
- Excellent written and verbal communication skills for interaction with internal and external team.
Nice To Haves
- Master's Degree is not mandatory but is highly desirable.
- Exposure to statistical concepts is a plus.
- Familiarity in AWS/Data Bricks/S3 is preferred but not mandatory.
Responsibilities
- Develop credit risk management solutions for Line of Credit (LOC) product in support of underwriting, customer acquisition and retention strategies.
- Develop core risk management rules and policies through innovative solutions in collaboration with internal and external partners and leveraging internal and external information.
- Closely collaborate with partners and stakeholders to drive results and grow the portfolio and build strong relationships and provide proactive and thoughtful communications to stakeholders and partner teams.
- Closely partner with teams across Decision Science, Product, Marketing, RPDS, Compliance and Finance to develop strategies that enable prudent and profitable growth, while controlling for through-the-cycle volatility.
- Enhance risk decisions by incorporating new information, new techniques, and changing factors
- Provide independent decisions by combining data driven facts and intuition on case-by-case basis for new account scenarios.
- Analyze structured and unstructured data and translate that into actionable business insights and strategies.
- Identify and evaluate new data sources that could add incremental profitability to LOC and to other American Express's products/services.
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
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What This Job Offers
Job Type
Full-time
Career Level
Senior
