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Senior Analyst - Risk Management

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Job Description

Why American Express?

There’s a difference between having a job and making a difference.

American Express has been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.

We’ve also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they’re ready to take on a new career path, we’re right there with them, giving them the guidance and momentum into the best future they envision.

Because we believe that the best way to back our customers is to back our people.

The powerful backing of American Express.
Don’t make a difference without it.
Don’t live life without it.

In this critical role you will ensure our team enables product growth and risk needs for the supplier payment product suite through the entire customer life cycle. This product suite comprises of exciting growth business which includes virtual payment, business travel account, corporate meeting cards, and corporate purchasing cards. If you are passionate about solving complex business problems and understanding how risk fits into product constructs, analytics, platform builds and strategy – this is an ideal role for you. 

Below are the principle responsibilities for this role:

  • Work with business partners to design effective credit and fraud risk management strategies in high growth, non-traditional products.
  • Working hand in hand with partner teams, oversee the end to end underwriting strategy, including capacity allocation, and build robust customer management strategies and drive business growth while managing credit losses.
  • Review and improve risk management policies as it relates to these products, seeking global consistency and supporting partner goals.
  • Monitor and analyze portfolio trends and diagnose losses (which may be spread in multiple P&Ls) to inform risk management and business strategies.
  • Work with business partners to enhance value proposition, improve customer experience and strengthen regulatory and compliance alignment. Diagnose operational opportunities to improve the customer experience and manage risk.
  • Desire to learn platforms and system basics in order diagnose issues that may arise with products.
  • Drive deep-dive analytics to enhance economic logic that supports core risk management decisions.

 

 

Minimum Qualifications

  • A strong balance of strategic and analytic acumen, with a high level of intellectual agility, curiosity and capacity for original and innovative thoughts.
  • 1-2 experience in credit or fraud risk management – in underwriting, customer management, collections, ad/or fraud or as a portfolio analyst. Alternatively, 2 years in consulting with a quantitative and analytical focus.
  • Exceptional analytical and quantitative skills (Masters in an analytical field or MBA preferred).
  • Ability to cope with ambiguity and complexity, managing a multitude of projects and relationships.
  • Willingness to experiment and learn.
  • Intelligent risk taker.
  • Implements and manages change effectively.
  • Collaborates and influences appropriately.
  • Ability to quickly gain respect from and add value to any team.
  • Team player but prepared to share own opinion.
  • Strong communication skills, both verbal and written, to all levels of the organization.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.
 

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.


ReqID: 20008164
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Nov 17, 2020, 1:11:25 PM

EEO Statement

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.