American Express Careers

Credit Risk Manager

Stockholm, Sweden
Operations Risk Management

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Job Description

At American Express we recognize that our most valuable asset is our people.  After all, it’s our people who deliver an excellent service to our customers all around the world, and it’s our people who therefore drive our ambition to become the world’s most respected service brand. You will be given continuous coaching and feedback in your work, to get the best chances to succeed in your role. You will be developing into a professional role as well as personally grow in our international and exciting Company.


Why Risk Management?


Risk management decisions have a significant impact on the profitability of the business. That’s why we don’t guess, we trust the data, insight, analytics and abilities of the risk management team. We believe that knowing the risks is how you’ll make the right decisions for the future of our company and your career.


What will you do?


This is a Manager role reporting into the Chief Credit Officer of the Nordics.

You will be responsible for managing the Net Loss Provision by ensuring effective execution of strategies and policies for the consumer card businesses in the Nordics.

This will require a good understanding drivers of the credit indicators for the consumer portfolio and the implications on trends/forecast and monitoring the true experience of customers in the market, diagnosing problems and identifying opportunities for improvement and then working with partners to implement.


As a key member of our Risk Management team, you will work closely with risk colleagues across the globe to learn and deploy best practices from other regions. You will implement risk-driven strategies to profitably grow billed business, reduce unnecessary point of sale disruptions and improve the customer experience in close collaboration with central Risk teams that develop state of art decision science tools and risk capabilities. You will also work collaboratively with business partners such as digital acquisition, engagement, business development, operations, compliance etc. Given the strong business focus on digital, you’ll be working at the forefront of digital innovation to realize new strategies that drive customer acquisition and engagement.


This is both an exciting and rewarding role that offers a unique opportunity to gain experience across the credit risk life cycle and to interact with a wide range of business partners across all levels within the organization.


Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.


  • Advanced degree in business, finance, statistics, economics or mathematics or equivalent experience in a similar business is preferred
  • Deep understanding/experience of risk management principles
  • Experience in unsecured consumer lending or in the payments industry
  • Strong analytical and problem solving skills with strong thought leadership and the ability to manage multiple projects simultaneously
  • Self-starter with an ability to work in a dynamic, fast changing environment, with a strong attention to detail, communicate effectively and work well in a cross-functional environment
  • Demonstrated interpersonal skills and able to work effectively in a matrix environment
  • Experience in developing strategic insights leveraging data analytics will be preferred
  • Experience in either SAS, SQL, Matlab,  Python or similar is required
  • Fluency in Swedish and English is required

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.

ReqID: 19001995
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Apr 12, 2019, 8:24:26 AM
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