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 this 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?

Credit and Fraud Risk Organization (CFR) within American Express has the mission of minimizing credit and fraud losses while promoting business growth and delivering superior customer service. In Singapore, the DS CoE (Center of Excellence) team is involved in developing predictive models for driving the above outcomes across portfolios for American Express globally.

This team is looking for a Director, International Customer Management Decision Science (CDSS) & CDSS / TSR research to lead and develop a diverse team of risk professionals who are responsible to develop, implement and improve predictive models that enable better customer risk decisions for International portfolio at American Express as well as bring in innovations to the credit risk models through research initiatives. This incumbent will be part of Global Commercial Risk Decision Science based out of Singapore and will be responsible for managing International Customer Management Risk Models (CDSS), which will be used for making decisions like transaction authorization, casesetups, responsible lending actions (RLA), proactive / reactive limit increase decisions (PLI / RLI) etc. for International Card Products along with bringing in innovations to the customer credit risk models.

This incumbent is expected to drive thought leadership along with strong executional focus to deliver Best-in-Class Commercial Customer Management Risk Models by partnering with multiple stakeholders globally. The incumbent is expected to lead a team of ~3 colleagues located in Singapore and 2 B35 teams in India to deliver strong business outcomes along with developing and establishing high performing and highly engaged team.

Responsibilities

• Provide Strategic Vision and Thought leadership to drive continuous improvements in International Customer Management Risk Models.
• Research & Development initiatives to bring in innovation in customer credit risk models.
• Partner with Central Credit risk Strategy teams to drive model usage and tackle business opportunities through model enhancements
• Perform annual reviews, performance monitoring reviews, retrains and remediation activity on models as the need arises
• Ensure all deliveries conform to American Express's Model Risk Governance Framework and regulatory requirements and producing robust, clear documentation
• Drive external perspective on industry best practices and trends, conduct research to elevate modeling practices and methodologies for Commercial Risk Assessment
• Lead, engage, and inspire team of high performing risk management professionals in Singapore
• Play a Leadership role within the overall Credit Decision Science

Minimum Qualifications

• 6+ years of experience applying ML to solve complex problems for large-scale applications
• Master’s degree in a quantitative field (data science, mathematics, computer science, statistics, operations research, management) preferred
• Deep knowledge of commercial business, risk management, Commercial Underwriting and AXP capabilities (preferred)
• Strong analytical skills and an innovative approach to solving both practical and theoretical business problems
• Ability to build strong relationships, operate within large cross-functional teams, and influence business partners to drive change
• Ability to communicate and interact effectively with internal CFR and commercial executive leadership team/partners
• Intellectual curiosity, adaptability in a dynamic environment, and an ability to re-engineer longstanding processes and infrastructure

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
• Support for financial-well-being and retirement
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• 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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.