Senior Analyst - Risk Management

About the role

Join Team Amex and help lead the way in risk and analytics. You’ll work with one of the most valuable data sets in the world to identify insights and actions that drive meaningful impact for our customers and business. This role offers opportunities to learn from industry leaders, shape your career, and define strategies for American Express products and services within a dynamic, high-impact environment.

Responsibilities

• Create and enhance risk indicators to improve delinquency rates across SBS/GCP portfolios.
• Analyze high-balance defaulters in the GCP/SBS portfolio, identify new opportunities, and partner with cross-functional teams to implement strategies.
• Evaluate external data sources—work with third-party vendors to assess product relevance and use cases for AMEX.
• Develop risk strategies using external/internal data sources and collaborate with AI/ML teams to define business requirements, analyze impact, and implement controls post-UAT.
• Develop risk assessment capabilities using GenAI tools (e.g., ChatGPT, Copilot).

Requirements

• 1+ years of experience in risk analytics or a similar role.
• Degree in a quantitative field (e.g., Mathematics, Statistics, Computer Science, or Economics).
• Strong technical and analytical skills, with the ability to apply quantitative methods and business acumen to build actionable insights.
• Proven ability to translate complex, disparate information into cohesive conclusions for colleagues, business partners, and senior leaders.
• Ability to work independently and across a matrix organization, collaborating with business partners, functional owners, technology teams, and external vendors.
• Rigorous, analytical approach to problem-solving, decision-making, and prioritization across teams and geographies.
• Proactive in identifying issues, delivering key findings, and advising on solutions to mitigate risks.
• Employment eligibility to work with American Express in the United States (visa sponsorship is not available for these positions).

Experience in developing GenAI-based capabilities is preferred.

Benefits

• Competitive base salaries and 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 (hybrid, onsite, or virtual, depending on role and business need).
• 20+ weeks paid parental leave for all parents, regardless of gender (for pregnancy, adoption, or surrogacy).
• Free access to global on-site wellness centers staffed with nurses and doctors (location-dependent).
• Free and confidential counseling support through the Healthy Minds program.
• Career development and training opportunities.

For a full list of benefits, visit the Colleague Benefits Site.