Manager / Sr Manager - Credit Risk Strategy

Job Description

“You Lead the Way. We’ve Got Your Back.

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 redefining what’s possible - and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.”

This is an integral role in the US Consumer Credit Risk team. The incumbent will be responsible to manage the line increase and line re-allocation strategy for the US Consumer credit card base.

Line is a key determinant of card lending growth and profitability and a primary lever to drive existing customer engagement and experience. The incumbent will need to carefully balance growth with contingent liability control to ensure long term profitability of the portfolio and drive share of premium Lending in partnership with cross functional teams. Line Management is a mature science with complex algorithms, models and rules.

The incumbent needs to ensure flawless execution while looking for opportunities to transform the line function.

The position will report into the Director, Line Management and will need to work with various business partners in Product, Marketing, Decision sciences, Capabilities, Risk and Banking. To succeed in the role, the incumbent needs to have a very good blend of analytical skills, process expertise and partner management skills.

Job Responsibilities:

• Lead the US Consumer reactive line increase and line re-allocation function – develop & deploy strategies for the US consumer credit card base
• Enhance the economic logic, optimization framework and business rules to maximize returns
• Devise new strategies to drive efficient card lending growth while managing contingent liability and long-term volatility
• Transform line management programs through next generation capabilities and process enhancements to gain share of premium lending and provide outstanding customer experience and engagement
• Drive operational excellence and ensure full compliance with regulatory requirements

• Strong risk management expertise with proven track record of driving winning strategies in collaboration with a diverse set of business partners
• Demonstrated ability to drive transformation in complex, and matured processes
• Proficiency in conducting/leading heavily analytical projects
• Strong project management skills and demonstrated ability to manage multiple business priorities
• Ability to build strong relationships, communicate effectively and lead through influence
• Demonstrated ability to quickly adapt to changing circumstances with a will to win
• Experience with Amex risk systems and infrastructure is a big plus
• Working knowledge of SAS & SQL preferred

Education Requirement:

• Advanced degree in science, engineering or management with 2+ years of relevant professional experience

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.”

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.