How will you make an impact in this role?
The Credit Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for independently overseeing and challenging the company’s credit risk taking and credit risk management activities, including the comprehensive identification, management, and mitigation of credit risks within the company’s risk appetite.
This person is responsible for providing credible challenge to US & International consumer and small business new accounts and initial line risk strategies and processes within AMEX. The candidate should have experience in credit risk management, data & analytics, risk appetite limit setting, portfolio monitoring and relevant regulatory regulations and guidance.
The incumbent will report to the Director, Global Credit Risk Oversight.
ResponsibilitiesHelp implement remediation for credit and enterprise gaps as identified in project Guardian
Provide analytical support for Credit risk policy and Standards for new account and limit management & customer management and collections
Conduct independent reviews of the consumer & small business risk processes and strategies
Prepare risk appetite framework metrics along with other risk assessment files
Own Exceptions and Smart Monitoring KRIs and action appropriately. Produce, analyze and publish functional and exception monitoring MIS
Monitor concentrations in the consumer & small business portfolios and recommend actions to mitigate risk
Identify emerging risks by tracking macroeconomic and markets trends
Credit risk management experience or a similar role;
Strong analytical skills and business acumen with a risk-reward control perspective;
Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python);
Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders;
Demonstrates the courage to challenge the status quo;
Demonstrates the ability to successfully manage multiple priorities under pressure;
Proven ability to collaborate with colleagues across the Company;
Self-starter with natural curiosity to solve problems;
Advanced degree in quantitative field is preferred
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
Skills Required
- Credit risk management experience or a similar role;
- Strong analytical skills and business acumen;
- Experience with data-driven analytical tools;
- Ability to communicate oversight findings;
- Demonstrated courage to challenge the status quo;
- Proven ability to collaborate with colleagues;
- Advanced degree in quantitative field is preferred;
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.
