American Express

Sr Manager-Risk Management

American Express$130K — $160K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Strong risk management expertise and successful collaborative strategy execution
  • Proven ability to transform complex, established processes
  • Skilled in leading analytical projects with deep insights
  • Strong project management skills to juggle multiple priorities effectively
  • Capable of building relationships and influencing stakeholders
  • Adaptable with a proactive mindset to thrive in changing environments
  • Familiarity with Amex risk systems preferred
  • Knowledge of SAS & SQL is advantageous

Responsibilities

  • Lead proactive line increase strategies for the U.S. Consumer Card portfolio
  • Enhance economic logic and business rules for better returns
  • Devise strategies for efficient card lending growth with liability control
  • Transform line management through innovative capabilities and process updates
  • Ensure operational excellence and compliance with regulations

Benefits

  • Opportunities for career growth and development
  • Dynamic work environment with cross-functional collaboration
  • Access to advanced analytical tools and resources
  • Engagement in strategic decision-making
  • Impact on customer experience and business profitability
Full Job Description
Job Description

This is an integral role in the US Consumer Credit Risk team. The incumbent will be responsible to manage the line increase 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.

Responsibilities

Job Responsibilities:
  • Lead the U.S. Consumer Proactive Line Increase function, developing and deploying credit line strategies across the U.S. Consumer Card portfolio, with a focus on leveraging modeled income to enhance routing criteria and decisioning.
  • 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


Qualifications

  • 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

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

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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