American Express

Manager - Credit Risk & Data Analytics

American Express$100K — $120K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Advanced degree in a quantitative field (Math, Stats, Data Science, etc.) preferred with 2-5 years of working experience
  • Strong large data analytical skills with a focus on risk-reward control
  • Proven capability with data analysis tools such as SQL, R, Python, Excel, PowerBI
  • Experience managing credit risk for large portfolios
  • Dedicated mindset with strong motivation to learn
  • Ability to manage multiple priorities effectively under pressure
  • Clear communication skills for oversight findings

Responsibilities

  • Conduct independent reviews of consumer and small business risk processes using data analytics
  • Provide analytical support for credit risk policies and standards
  • Produce and analyze monitoring reports and risk framework metrics
  • Manage exceptions and Key Risk Indicators, taking necessary actions
  • Monitor concentration risk in consumer and small business portfolios
  • Identify emerging risks through macroeconomic trend analysis

Benefits

  • Flexible working arrangements
  • Professional development opportunities
  • Collaborative and inclusive work culture
  • Access to a comprehensive health and wellness program
  • Employee assistance programs
Full Job Description
Job Description

How will you make an impact in this role?

The Global 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 position is a relatively entry-level individual contributor.

This person is responsible for providing credible challenge to US Consumer and Small Business new accounts and Initial Line business processes owned by First Line Defense. The candidate must have strong large data analytical skillsets, good knowledge in credit risk strategies / management, and extensive portfolio monitoring experience.

The incumbent will report to the Director, Global Credit Risk Oversight.

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


Qualifications

  • Advanced degree in quantitative field (Math, Stats, Data Science, etc.). 2-5 years of working experience are preferred
  • 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.

The below represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.

About American Express

Amex provides industrial services to the coatings and linings sector, providing support for commercial, industrial, and maritime projects such as petrochemical, power, and water treatment industries. They offer painting services for steel structures, storage tank linings and coatings, pipelines, floors, and marine vessels such as ships, tugboats, and barges.

American Express Careers

Join the vibrant team at American Express, a global leader in financial services, and be part of a company that values innovation, leadership, and diversity. At American Express, we offer more than just job opportunities; we provide a platform for professional growth and a chance to be part of a culture that is committed to excellence and inclusive growth. Work You’ll Do At American Express, we are dedicated to helping our employees reach their full potential. With a variety of career paths available in areas such as technology, marketing, finance, and customer service, American Express is the perfect place to advance your career. Our team is composed of highly skilled professionals who thrive on innovation and collaboration. Join our team and contribute to a company known for its prestigious history of leadership in the credit card industry. Engage in meaningful work that makes a real impact on our global scale business operations. American Express Leadership and Development Programs We believe in nurturing the leadership skills of our employees with extensive training programs and leadership development opportunities. Our commitment to professional growth is evident in our comprehensive benefits package that supports both personal and professional development. Internship Opportunities Start your career with an internship at American Express and gain valuable industry experience. Our internships offer a chance to develop skills, work on challenging projects, and learn from leaders in the industry. Interns at American Express are considered integral members of the team and are given responsibilities that provide a real insight into their future career paths. Diversity and Inclusion At American Express, diversity and inclusion are at the core of our company culture. We are committed to building a diverse workforce and inclusive environment where every employee feels valued and inspired. We offer diversity training programs that empower our employees to thrive and lead in a global marketplace. Networking and Innovation Our employees enjoy unparalleled opportunities for networking and personal growth through our global connections and innovative projects. American Express encourages a culture of innovation that helps propel our company and your career forward. Career Benefits and Growth American Express is dedicated to the growth of its employees. We offer competitive benefits, including health, retirement plans, and family leave, ensuring that our team members have the support they need to succeed both at work and in their personal lives. Join Our Team Explore the job opportunities and open positions at American Express. We are continuously hiring talented individuals who are passionate about their careers and interested in working for a company that offers a dynamic and supportive environment. Stay Connected Keep up to date with the latest from American Express Careers by following our career blog and signing up for job alert emails. Tailor your subscription to receive updates that match your skills and interests. Discover the exciting and rewarding career opportunities that await at American Express. SEARCH AMERICAN EXPRESS JOBS Whether you are looking for a full-time position, an internship, or a leadership opportunity, American Express offers a path to a rewarding career. Join us and make a difference with your passion, creativity, and drive.
Learn more about American Express
Size
64,000 employees
Market Cap
$108.1 billion
Industry
Net Income
$3.1 billion
Founded
1850
5 Year Trend
+3.5%
Revenue
$37 billion
NASDAQ

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