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.

American Express Italia is looking for a Risk Manager to lead Credit Risk strategies for new accounts. Your mission is to manage the acquisition performance in line with the risk appetite and the financial plan, whilst supporting the profitable growth of the organization.

How will you make an impact in this role?

• Compliance Management: You know the credit card regulatory environment; you will lead the team to achieve full compliance with applicable policy and regulations.

• Credit Risk Framework: You have expert understanding of Credit Risk Frameworks and profitability optimization. You have experience developing best in class Credit Risk strategies.

• Credit Risk Management: You can define a forward-looking Credit Risk insights and reporting, which will support senior leaders to make strategic decisions.

• Horizon Scanning and Innovation: You have a great knowledge of the market and are at the foot front of innovation in Credit Risk.

• Computer Skills: You can independently use Credit Risk software packages (SQL and Python equivalent expertise is necessary).

Minimum Qualifications

• Proficient in English and Italian.

• Bachelor's Degree in economics, finance, mathematics, statistics, engineering, physics.

• Minimum Experience Requirement: +5 years of relevant experience in any of these fields Credit Risk, Modelling, Consulting, Data and Analytics in a Bank or a Financial Service.

• Extensive experience with third-party data providers (bureau and others).

• Extensive experience in setting up, monitoring and enhancing Credit Risk acquisition strategies and systems.

• Strong skills in SQL and Python (Power BI and Tableau will be considered a plus).

• Strong understanding of Credit Risk Modelling (preferred if Machine Learning).

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

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.