Job Details

Description

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.

How will you make an impact in this role?

How we serve our customers is constantly evolving and is a challenge we gladly accept. You can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior.

This position is part of the Credit and Fraud Risk Organization, focused on credit risk controls. The role brings an exciting opportunity to define risk management policies for existing American Express customers. This team supports the success of American Express through innovative solutions that help identify and mitigate credit risk throughout the customer lifecycle. The role is highly visible and will require strong collaboration across a variety of functions, including but not limited to Risk, Servicing, Decision Science, Legal, and Compliance, to develop best in class strategies and capabilities to support our customers.

Key Responsibilities

• Monitor, analyze, and interpret key credit performance metrics to identify trends and emerging risks.

• Leverage internal and external warning indicators to proactively assess portfolio exposure and recommend mitigation actions.

• Support the design and implementation of customer outreach strategies that minimize credit losses while improving customer experience, with a focus on digital-first engagement.

• Contribute to the development of next-generation risk management tools, dashboards, and reporting capabilities to enhance portfolio oversight and decision-making.

• Partner closely with cross-functional teams to ensure operational excellence, regulatory adherence, and strong control governance.

• Conduct deep-dive analyses to uncover portfolio insights, evaluate risk drivers, and support process improvements or policy updates.

• Communicate findings and recommendations to stakeholders, influencing data-informed business decisions. Minimum Qualifications

• Bachelor’s degree plus 2 years of relevant work experience, or Master’s degree in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science.

• Strong analytical and problem-solving skills with the ability to translate data into strategic insights.

• Proficiency in handling large datasets using SAS, SQL, R, Python, or a similar programming language.

• Demonstrated blend of analytical expertise, process improvement skills, and collaborative relationship-building.

• Ability to think strategically and apply quantitative methods and business acumen to drive meaningful outcomes.

• Excellent written and verbal communication skills, with attention to clarity and precision. Preferred Qualifications

• Advanced degree preferred but not required, given a suitable combination of formal education and experience.

• Prior experience in credit or fraud risk management with a solid understanding of the credit lifecycle.

• Familiarity with regulatory and audit frameworks related to credit risk governance.

• Exposure to data visualization tools is a plus.

Qualifications

Salary Range: $78,000.00 to $124,750.00 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.

Job: Risk

Primary Location: US-New York-New York

Schedule Full-time

Req ID: 25021103