American Express Careers

France Consumer Credit Risk Manager H/F

PARIS, France
Operations Risk Management

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Job Description

Vous souhaitez faire partie d’une équipe jeune, dynamique, animée par le goût challenge et l’envie de réussir ?

Chez American Express, nous vous offrons les perspectives d’une carrière à la hauteur de vos ambitions, une formation continue, une rémunération attractive, un environnement international, agréable et stimulant pour développer vos compétences au sein d’une entreprise prestigieuse possédant une marque mondialement reconnue.

Ayez un impact sur notre entreprise !

American Express is a global service company, providing customers with exceptional access to products and experiences that enrich lives and build business success.

To support our team in Paris we are currently looking for a Manager, Consumer Credit Risk Management - France


Why Credit Risk Management

Credit 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 finest risk management team. We believe that knowing the risks is how you’ll make the right decisions for the future of our company, our customers and your career.

This is a Manager role based in Paris and reporting into the Chief Credit Officer of France and Benelux. The incumbent will be responsible for managing the Credit Loss Provision by ensuring effective strategies and policies for the Consumer Card businesses in France.  You will own initiatives to profitably grow our business, reduce unnecessary point of sale disruptions, and improve the customer experience in close cooperation with our Central Risk teams, that develop state of art decision science tools and risk capabilities.

As a key member of our Credit Risk Management team in Europe you will undertake in-depth analytical projects using Big Data to find patterns and trends that lead to smarter business decisions. You will also work closely with the French market leadership team and other business partners such as sales, marketing, operations, compliance  etc to ensure appropriate risk return trade-offs are in place to profitably grow the Consumer business  . This will require a deep understanding of the credit risk of the consumer portfolio as well as  strong stakeholder management skills.

Further, you will collaborate with credit risk colleagues across the globe to learn and deploy best practices from other regions.  This is an exciting and rewarding role that offers a unique opportunity to gain experience across the risk life cycle and to interact with a wide range of business partners across all levels within the organization.

Vous recevrez une rémunération compétitive et attractive ainsi qu’une large gamme d’avantages.

Vos succès seront reconnus par un investissement de l’entreprise dans votre évolution professionnelle, votre bien-être au travail, mais aussi sur le plan financier.

Ainsi, outre une rémunération attractive et une réelle opportunité d’évolution, vous pourrez bénéficier, en fonction des critères d’éligibilité, des nombreux avantages dont disposent les collaborateurs d’American Express tels que :

  • Des services aux collaborateurs (crèche, conciergerie…),
  • Un lieu de travail agréable et facile d’accès (RER A et A 86),
  • Les offres du Comité d’Entreprise.

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, engineering, economics or mathematics or equivalent experience in a similar business is preferred

  • Ability to develop credit risk strategies and reach alignment with internal business partners

  • Deep understanding/experience of credit risk management principles and methods, experience in Consumer or Retail lending

  • Strong analytical and problem solving skills  and the ability to manage multiple projects simultaneously

  • Well-rounded understanding of data exploration and statistical techniques having at least worked with one statistical program like SAS, Stata, R, Python, SPSS etc

  • 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

  • Fluency in French and English required

Rejoignez une entreprise internationale dotée d’une véritable culture de la Diversité avec une Direction dédiée.

Notre culture fait d’American Express un lieu de travail agréable, et qui explique en grande partie pourquoi nous avons remporté les premiers prix de classements des entreprises où il fait bon travailler.

Si vous êtes prêt à relever le défi et à avoir un impact, lancez ou développez votre carrière chez nous.

La mission Diversité d’American Express a entre autres pour vocation de faciliter l’intégration professionnelle de personnes en situation de handicap et se tient à la disposition des candidats pour évoquer avec eux leurs éventuels besoins d’accompagnement.


ReqID: 19015920
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Aug 23, 2019, 1:51:02 AM
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