Analyst-Risk Management

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. As part of Team Amex, you'll experience this 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.

How will you make an impact in this role?

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.

Responsibilities:

• 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 underwriting for Consumer and Small Business Portfolios.

  
  

Minimum Qualifications

• Bachelor’s degree required in Math, Statistics, Computer Engineering, Economics, Data Science, 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.

  
  

• Work experience with SQL and Python required. Tableau is desirable.

  
  

We 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.