Senior Manager - Risk Management

American Express•New York, NY

2d•$103,750 - $174,750

About The Position

The Senior Manager joins the Global Merchant Network Services (GMNS) Risk Management team within American Express’s Credit & Fraud Risk organization. The team protects the integrity of the merchant network and manages credit and fraud risks associated with American Express’s role as a merchant acquirer. This role oversees a portfolio that includes some of GMNS’s largest exposures, particularly global and national merchants. As a frontline Risk Officer, the Senior Manager helps protect the merchant business P&L from losses while balancing risk considerations with merchant relationships. The position requires sound judgment, strong communication and analytical capabilities, self-motivation, and strategic thinking. It involves evaluating complex financial information, negotiating with C-suite executives across industries, and making decisions with significant profitability and risk trade-offs. The role collaborates with Client Managers, credit rating team members, and other business units across the enterprise.

Requirements

At least 5 years of commercial credit risk management experience.
Ability to work independently, manage time effectively, and solve problems amid rapidly changing priorities.
Ability to navigate high-pressure, urgent, complex, and ambiguous situations independently while pursuing solutions that balance stakeholder needs.
Ability to build strong relationships and communicate effectively, applying analytical, quantitative, and negotiation skills to develop practical business solutions.
Ability to manage a sizeable client portfolio with organization, discipline, and a strong sense of urgency.
Strong financial and analytical acumen, including knowledge of credit and/or accounting and proficiency in interpreting financial statements.
Employment eligibility to work with American Express in the United States; the company will not pursue visa sponsorship for these positions.

Nice To Haves

MBA, relevant certification, or equivalent professional experience.
Experience in merchant-acquiring risk, client management, or commercial credit underwriting across multiple industries.
Experience presenting complex credit metrics to C-suite stakeholders.
Project management experience and demonstrated ability to collaborate across large business units.
Strong analytical and technical capabilities, including SQL proficiency or willingness to learn.

Responsibilities

Assess merchant exposures through financial and business model reviews, discussions with merchants and Client Managers, and analysis of relevant external information.
Independently manage a sizeable portfolio of large merchant clients, identify exposures, and implement appropriate risk mitigation strategies.
Prioritize higher-risk merchants representing billions of dollars in credit exposure and establish clear timelines for action.
Collaborate with internal partners to obtain financial information, prepare review cases, support escalations, and make risk mitigation decisions.
Lead complex negotiations with merchant CEOs, CFOs, and other C-suite executives while building alignment among internal stakeholders.
Partner with Client Management, GCO, and other internal stakeholders to negotiate card acceptance agreements.
Advise internal stakeholders on best practices and key portfolio risks.
Influence and negotiate with American Express leadership and merchant C-suite executives.
Transform large, complex data sets into meaningful reports and executive-ready presentations.
Complete ad hoc assignments focused on mitigating risk across the GMNS portfolio.
Work independently or with GMNS Risk colleagues on projects designed to enhance risk management processes and controls.