Manager - Credit Risk & Data Analytics

Job Description How will you make an impact in this role? The Global 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 position is a relatively entry-level individual contributor. This person is responsible for providing credible challenge to US Consumer and Small Business new accounts and Initial Line business processes owned by First Line Defense. The candidate must have strong large data analytical skillsets, good knowledge in credit risk strategies / management, and extensive portfolio monitoring experience. The incumbent will report to the Director, Global Credit Risk Oversight. Responsibilities Conduct independent / thorough reviews of the consumer & small business risk processes and strategies through extensive data analyticsProvide analytical support for Credit risk policy and Standards for new account and limit management & customer management and collectionsProduce, analyze and publish ongoing monitoring reports, such as portfolio and functional MIS, exception monitoring MIS, Risk Appetite Framework, etc.Own Exceptions and Smart Monitoring KRIs and action appropriately.Monitor concentrations in the consumer & small business portfolios and recommend actions to mitigate riskIdentify emerging risks by tracking macroeconomic and markets trends Qualifications Advanced degree in quantitative field (Math, Stats, Data Science, etc.). 2-5 years of working experience are preferredStrong large data analytical skills and business acumen with a risk-reward control perspectiveProven capability with data-driven analytical tools (e.g. SQL, R, Python, Excel, PowerBI)Credit risk management experience for a large portfolioDedicated mindset to the work and strong motivation to learn and thriveDemonstrates the ability to successfully manage multiple priorities under pressureAbility to clearly communicate oversight findings to credit risk peers, business partners, and senior leadersDemonstrates the courage to challenge the status quoProven ability to collaborate with colleagues across the Company and self-starter with natural curiosity to solve problems Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for this position. About Us 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. About The Team 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 salariesBonus incentives6% Company Match on retirement savings planFree financial coaching and financial well-being supportComprehensive medical, dental, vision, life insurance, and disability benefitsFlexible working model with hybrid, onsite or virtual arrangements depending on role and business need20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacyFree access to global on-site wellness centers staffed with nurses and doctors (depending on location)Free and confidential counseling support through our Healthy Minds programCareer 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 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. US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster. 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.