American Express

Manager-Risk Management

American Express • $120K — $150K *
New York, NY 10025In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Advanced degree in a quantitative field with 2+ years of relevant experience.
  • Strong analytical skills to interpret complex data and model outputs.
  • Foundational understanding of credit risk and decisioning frameworks.
  • Proven experience managing analytical projects independently.
  • Excellent communication skills for effective collaboration.

Responsibilities

  • Drive execution and enhancement of Initial Line Assignment strategies for U.S. Consumer Credit Card portfolio.
  • Enhance economic logic and optimization frameworks for credit performance.
  • Partner with Decision Science teams to validate line models and improve outputs.
  • Design and execute experiments to manage lending growth and liability risk.
  • Collaborate with Product and Marketing teams on Card Member engagement initiatives.
  • Contribute to modernization of line management processes and tools.
  • Monitor key performance metrics to inform strategy refinement.
  • Ensure adherence to operational controls and governance requirements.

Benefits

  • Opportunity for cross-functional collaboration with diverse teams.
  • Work in a well-established framework utilizing advanced algorithms and predictive models.
  • Engage in continuous improvement and modernization efforts in line management processes.
Full Job Description
Job Description

About the Role

The Initial Limit Management function within Credit and Fraud Risk (CFR) is responsible for setting and managing Initial Credit Line Assignment policies and strategies for the U.S. Consumer Credit Card portfolio.

Credit line assignment is a key driver of lending growth and portfolio profitability, and a critical lever for enhancing Card Member engagement and delivering a superior customer experience. The function operates within a well-established framework that leverages advanced algorithms, predictive models, and business rules to inform decision-making.

Role Overview

This position reports to the Director of Initial Limit Assignment and works in close partnership with cross-functional teams, including Decision Science, Technology, Finance, Product, Marketing, and Servicing.

As an individual contributor Manager (B35), this role is expected to independently drive the execution and enhancement of Initial Line Assignment strategies. The incumbent will balance revenue growth with contingent liability risk to support sustainable portfolio performance, while identifying opportunities to improve and evolve line management capabilities.

Responsibilities

Primary Responsibilities
  • Drive the execution and enhancement of Initial Line Assignment strategies for the U.S. Consumer Credit Card portfolio, including prospect initial line, customer initial line, proactive line reallocation, and balance transfer programs
  • Enhance economic logic, optimization frameworks, and business rules to maximize returns and deliver strong credit performance
  • Partner closely with Decision Science teams as a key consumer of line models; support model evaluation through validation of outputs, performance monitoring, and identification of enhancement opportunities
  • Design and execute test-and-learn experiments to drive efficient lending growth while managing contingent liability and long-term volatility
  • Collaborate with Product, Marketing, and Servicing teams to support line presentment, balance transfer initiatives, and Card Member engagement strategies
  • Contribute to the modernization of line management processes and tools in partnership with Technology and Decision Science teams
  • Monitor MIS and key performance metrics to identify risks and opportunities, and inform strategy refinement
  • Ensure operational excellence and adherence to controls, governance, and regulatory requirements, including support for audits and documentation


Qualifications

Minimum Qualifications
  • Advanced degree in a quantitative or analytical field (e.g., engineering, mathematics, statistics, econometrics, or management) with 2+ years of relevant experience
  • Strong analytical and problem-solving skills, with the ability to interpret complex data and model outputs and translate insights into actionable recommendations grounded in sound risk management principles
  • Foundational understanding of credit risk, underwriting, or decisioning frameworks; knowledge of credit card economics and the payments landscape is a plus
  • Demonstrated ability to independently manage analytical workstreams and deliver high-quality outcomes
  • Strong written and verbal communication skills, with the ability to collaborate effectively across teams

Preferred Qualifications
  • Strong project management skills, with the ability to manage multiple priorities in a fast-paced environment
  • Effective stakeholder management skills, with the ability to influence cross-functional partners
  • Familiarity with leveraging Generative AI tools to drive efficiency, identify new use cases, and support risk assessment and decisioning processes
  • Experience working with data tools such as SQL, Python, SAS, or similar
  • Prior experience in financial services, credit risk, or underwriting is a plus
  • High learning agility, with the ability to adapt and deliver in a dynamic environment
  • Self-motivated, intellectually curious, and proactive, with a continuous improvement mindset


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

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
Finance & Insurance
Net Income
$3.1 billion
Founded
1850
5 Year Trend
+3.5%
Revenue
$37 billion
NASDAQ
AXP
* Ladders Estimates

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