At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

How will you make an impact in this role?

The 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 person is responsible for providing credible challenge to US & International consumer and small business new accounts and limit management risk strategies and processes within AMEX. The candidate should have experience in credit risk management, data & analytics, risk appetite limit setting, portfolio monitoring and relevant regulatory regulations and guidance.

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

Key Responsibilities:

• Help implement remediation for credit and enterprise gaps as identified in project Guardian

• Provide analytical support for Credit risk policy and Standards for new account and limit management & customer management and collections

• Review large strategy approvals requiring senior management and committee approvals

• Conduct independent reviews of the consumer & small business risk processes and strategies

• Prepare risk appetite framework metrics along with other risk assessment files

• Own Exceptions and Smart Monitoring KRIs and action appropriately. Produce, analyze and publish functional and exception monitoring MIS

• Monitor concentrations in the consumer & small business portfolios and recommend actions to mitigate risk

• Identify emerging risks by tracking macroeconomic and markets trends

Experience and Background:

• Credit risk management experience or a similar role;
• Strong analytical skills and business acumen with a risk-reward control perspective;
• Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python);
• Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders;
• Demonstrates the courage to challenge the status quo;
• Demonstrates the ability to successfully manage multiple priorities under pressure;
• Proven ability to collaborate with colleagues across the Company;
• Self-starter with natural curiosity to solve problems;
• Advanced degree in quantitative field is preferred

Salary Range: $89,250.00 to $150,250.00 annually + bonus + benefits

The above 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.

We 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.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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