Manager - Credit Risk & Data Analytics

American Express is hiring a Manager - Credit Risk & Data Analytics to independently oversee and challenge US Consumer and Small Business new-account and Initial Line processes. The role uses data analytics and portfolio monitoring to assess credit risk strategies, identify emerging risks, and support risk mitigation.

Responsibilities

• Conduct independent / thorough reviews of the consumer & small business risk processes and strategies through extensive data analytics
• Provide analytical support for Credit risk policy and Standards for new account and limit management & customer management and collections
• Produce, analyze and publish ongoing monitoring reports, such as portfolio and functional MIS, exception monitoring MIS, Risk Appetite Framework, etc
• Own Exceptions and Smart Monitoring KRIs and action appropriately
• Monitor concentrations in the consumer & small business portfolios and recommend actions to mitigate risk
• Identify emerging risks by tracking macroeconomic and markets trends

Preferred

• 2-5 years of working experience

Benefits

• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

Company

• Global payments company serving consumers and businesses
• New York, New York, USA
• http://www.americanexpress.com/
• Founded in 1850
• 10001+ employees

Qualifications

• Advanced degree in quantitative field (Math, Stats, Data Science, etc.)
• Strong large data analytical skills and business acumen with a risk-reward control perspective
• Proven capability with data-driven analytical tools (e.g. SQL, R, Python, Excel, PowerBI)
• Credit risk management experience for a large portfolio
• Dedicated mindset to the work and strong motivation to learn and thrive
• Demonstrates the ability to successfully manage multiple priorities under pressure
• Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders
• Demonstrates the courage to challenge the status quo
• Proven ability to collaborate with colleagues across the Company and self-starter with natural curiosity to solve problems
• Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for this position
• 2-5 years of working experience

Required skills

• Credit Risk Management, Power BI, Python, R, SQL

Preferred skills

• 2-5 years of working experience

Experience

• 2-5 years