Job DescriptionHow will you make an impact in this role?
This position is part of the US Consumer Charge FUW, Rev Code and Spend Enablement team, and will be primarily responsible for Financial Underwriting for US Consumer Charge portfolio. Consumer PFG is a growing function with the objective to manage high exposure on charge cards to minimize incremental high balance WO loss while also ensuring a smoother customer experience for premium charge customers, and this position plays a key role as part of a dynamic team to manage our Consumer FUW strategies including PFG, Re-UW, RLI and FUW RLA.
ResponsibilitiesSome of the key responsibilities for the role include:-
- Manage and continuously enhance Proactive Financial Gathering trigger logic
- Refine systematic and manual underwriting strategy
- Partner with RPDS, GSG and SBS to build robust next gen FUW capabilities
- Prepare and lead FUW case reviews with senior leadership
- Support UW case reviews and resolution of executive escalations
- Support Project Guardian related milestones including RCSA action items for Charge FUW process
- Collaborate closely with functional and servicing partners to profitably manage and maximize customer relationships
- Ensure operational excellence and compliance with regulatory, audit and oversight requirements
QualificationsMinimum Qualifications- Strong analytical, problem solving, and project management skills
- 4+ years experience in driving and implementing credit risk management strategies
- Exceptional professional communication skills
- Demonstrated ability to influence partners
- Advanced degree in statistics, econometrics, operations research, mathematics, computer science, engineering, or a related quantitative field of study
Preferred Qualifications- Adaptable interpersonal skills, high energy, and a proven team-first mentality
- Sound judgment, great sense of urgency, and strategic thinking
- Intellectual curiosity and learning agility needed to explore and evaluate new ideas
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 the TeamWe 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
- 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
For a full list of Team Amex benefits, visit our Colleague Benefits Site.
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.
