American Express Careers

Manager - Risk Management

Operations Risk Management

Job Description

At American Express we provide a service of excellence, our customers are our most valuable asset and our teams are the key to achieving this great goal. For over 160 years we continue to grow, proactively responding to the needs and expectations of our customers.
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.
We seek creative and innovative people, who are willing to join us in the challenges of the business and are committed to providing superior service. In this opportunity the company is looking for a Manager - Risk Management to perform in the Credit and Fraud Risk business unit of American Express.
This position will be responsible for managing risk throughout the lifecycle of American Express’ credit products by supporting the market to drive profitable business growth while effectively managing credit losses to acceptable levels and providing an outstanding customer experience to our Card members.
Main Responsibilities:
  • Designing, developing and implementing risk strategies and initiatives for the region to profitably grow billed business, while controlling net loss provision and improving client satisfaction.
  • Effectively interacting and collaborating with colleagues from the central Risk Management organization, as well as Operations and Marketing teams to develop, enhance and implement approved credit strategies and processes.
  • Deeply understanding and closely monitoring the key metrics of the credit performance for the portfolio and the implications on trends, diagnosing problems and identifying opportunities for improvement and/or corrections.
  •  Running ad hoc analytics and conducting independent risk assessments across various processes to identify potential emerging risks and performance issues.
  • Managing relationship with Credit bureaus including developing strategies leveraging bureau information as well as tracking and reacting to external influence on the portfolio performance.


Qualifications Required:

  • Bachelor’s degree required in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study.
  • Exceptional analytical and problem solving skills with experience to lead and perform data analytics.
  • Work experience with SAS/SQL required.
  • Experience/Familiarity with Big Data is preferred
  • Experience with cutting edge credit risk system designs and interfaces such as APIs, digital capability, etc. is a plus.
  • Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred.
  • Track record of driving results with strong thought leadership and ability to manage multiple projects simultaneously.
  •  Deep understanding/experience of risk management principles with underwriting and customer management knowledge.
  • Flexibility and ability to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive changes.
  • Effective communication and presentation skills with the ability to influence others.
  • Self-starter with an ability to work independently in a dynamic, fast changing environment and with a strong attention to details.

ReqID: 18015291
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Sep 28, 2018, 3:01:18 PM