American Express Credit and Fraud Risk (CFR) leads end-to-end credit risk management of our consumer and commercial businesses. This entails developing and implementing strategies across customer life cycle - targeting, underwriting, credit limit management, ongoing customer management and collection activities to deliver profitable business growth without adverse surprises while providing an outstanding customer experience.
The credit risk team leverages cutting edge analytical techniques to generate insights from data to drive optimal decisions that balance growth with acceptable risks. The credit risk team works in close partnership with cross-functional teams across geographies and interacts extensively with external entities such as credit bureaus, new data providers and start-ups to develop and implement products and strategies.
This position will handle deep dive analytics, taking charge of the generation and optimization of programming code for the extraction of information from large databases, performing exploratory data analysis, visualizations and generating insights that are relevant to the strategies of the Credit Risk Team related to Customer Management Consumer, Small Business and Corporate portfolios.
ResponsibilitiesPrimary responsibilities will include:
Designing, developing and implementing risk strategies and initiatives to profitably grow consumer card business, while controlling net loss provision.
Leveraging industry best practices and data assets for continual risk strategy and process improvement.
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.
Monitoring and understanding regulatory and industry developments and proactively identifying areas of threats and/or opportunities.
Minimum Qualifications
Bachelor’s degree required in Actuarial Science, Economics, Data Science, Math, Physics, Statistics, Computer Engineering or similar quantitative field of study.
Exceptional analytical and problem-solving skills with experience to lead and perform data analytics. Track record of driving results with strong thought leadership and ability to manage multiple projects simultaneously.
Effective communication and presentation skills in both English & Spanish with the ability to influence others.
Flexibility and ability to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive changes.
Self-starter with an ability to work independently in a dynamic, fast changing environment and with a strong attention to details.
Deep understanding/experience of risk management principles with customer management is desirable.
Work experience with SQL and Python required. Tableau is desirable.
At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
About the TeamWe back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
- Competitive base salaries
- Bonus incentives
- Support for financial-well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- Generous paid parental leave policies (depending on your location)
- 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
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
Skills Required
- Bachelor's degree in Actuarial Science, Economics, Data Science, Math, Physics, Statistics, Computer Engineering or similar quantitative field
- Experience in data analytics and problem-solving skills
- Effective communication skills in English & Spanish
- Experience with SQL and Python
- Experience with Tableau
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
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Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
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Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
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Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete beyond base salary.
American Express Insights
What We Do
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
