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. 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.

Senior Manager – Risk Management – US Consumer Credit Concerns and Communications

The role is responsible for managing credit risk Customer Management strategies for consumer cards in US. The role is a B35 position within the Global Consumer Customer Management Team, part of the Consumer Credit Risk organization and reports into Director, US Consumer Credit Concerns and Communications.

Specifically, the role has direct functional responsibility for:

Credit Concerns: Create credit risk strategies to determine the eligibility criteria to setup customers for a credit review (e.g. collect a past due payment or contact high risk out of pattern CMs), and work with credit servicing on treatment

Credit Communications: Design credit communication strategies across channels like email, sms, push etc. to inform CMs of credit concerns and credit actions like payment reminders and point of sale declines across etc.

The role requires a constant delicate balance between the needs of all our constituents: shareholders, customers, colleagues - particularly credit specialists - and regulators.

Key responsibilities include:

• Partner with multiple constituents across the enterprise, especially GS and CFRC, to design and implement enhanced credit risk for both case setups and communications

• Devise treatment strategies to resolve the credit concerns.

Handle Card Member complaints and escalations.

• Review cases and track performance on a regular basis to inform enhancements and opportunity areas

• Create the infrastructure and data capabilities required for seamless CM experience during the credit journeys

Minimum Qualifications:

The ideal candidate will possess:

• Strong analytical acumen, problem solving, project management skills with demonstrated proficiency in managing multiple projects simultaneously

• Demonstrated experience driving and implementing credit risk management strategies

• Exceptional professional communication skills – clear, logical, and structured

• Rigorous and analytical approach to problem-solving, decision-making, and prioritization

• Intellectual curiosity and learning agility needed to explore and evaluate new ideas

• Advanced degree in statistics, econometrics, operations research, mathematics, computer science, engineering, or a related quantitative field of study, or demonstrated professional experience in managing credit risk

People management experience preferred

Salary Range: $103,750.00 to $174,750.00 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.