Sr Manager-Risk Management
About The Position
This is an integral role in the US Consumer Credit Risk team. The incumbent will be responsible to manage the line increase strategy for the US Consumer credit card base. Line is a key determinant of card lending growth and profitability and a primary lever to drive existing customer engagement and experience. The incumbent will need to carefully balance growth with contingent liability control to ensure long term profitability of the portfolio and drive share of premium Lending in partnership with cross functional teams. Line Management is a mature science with complex algorithms, models and rules. The incumbent needs to ensure flawless execution while looking for opportunities to transform the line function. The position will report into the Director, Line Management and will need to work with various business partners in Product, Marketing, Decision sciences, Capabilities, Risk and Banking. To succeed in the role, the incumbent needs to have a very good blend of analytical skills, process expertise and partner management skills.
Requirements
- Strong risk management expertise with proven track record of driving winning strategies in collaboration with a diverse set of business partners
- Demonstrated ability to drive transformation in complex, and matured processes
- Proficiency in conducting/leading heavily analytical projects
- Strong project management skills and demonstrated ability to manage multiple business priorities
- Ability to build strong relationships, communicate effectively and lead through influence
- Demonstrated ability to quickly adapt to changing circumstances with a will to win
- Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
Nice To Haves
- Experience with Amex risk systems and infrastructure is a big plus
- Working knowledge of SAS & SQL preferred
Responsibilities
- Lead the U.S. Consumer Proactive Line Increase function, developing and deploying credit line strategies across the U.S. Consumer Card portfolio, with a focus on leveraging modeled income to enhance routing criteria and decisioning.
- Enhance the economic logic, optimization framework and business rules to maximize returns
- Devise new strategies to drive efficient card lending growth while managing contingent liability and long-term volatility
- Transform line management programs through next generation capabilities and process enhancements to gain share of premium lending and provide outstanding customer experience and engagement
- Drive operational excellence and ensure full compliance with regulatory requirements
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
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What This Job Offers
Job Type
Full-time
Career Level
Manager
Education Level
No Education Listed
