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.

The 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.

We are seeking a skilled and detail-oriented professional for credit risk governance. Responsibilities for this role include governance, reporting & analytics, working with stakeholders across the enterprise, regulatory support and building capabilities.

The incumbent will report to the Director, Global Credit Risk Oversight.

Key Responsibilities:

Governance

• Maintain Credit Risk Management Policy

• Maintain credit risk standards, procedures (in collaboration with functional team) and templates (e.g., reports, MEMO etc.)

• Ensure adherence to credit risk board approved plan and findings resolution

• Conduct QC checks on 2LOD review reports

Reporting & Analytics

• Quarterly Aggregate Credit Risk Assessment Report

• Report Risk Appetite Framework (RAF) results and escalations and Control and Compliance (C&C) metrics

• Utilize SQL and/or Python to extract, manipulate, and prepare large data sets

• Work with large datasets to develop thresholds and perform risk analytics using statistical techniques

• MIS reporting to partner teams (e.g., findings tracker, Smart Monitoring alert reports)

• Perform ad-hoc analytics and reporting on credit findings (e.g., finding themes etc.)

Internal Audit, Regulatory and Enterprise Risk Management (ERM) Support

• Coordinate with functional team on IAG and regulatory requests

• Coordinate and prepare meeting materials for quarterly interagency meeting

• Matters Requiring Attention (MRA) and regulatory recommendation remediation

Capabilities

• Support the Portfolio Analytics team to develop next generation MIS capability

• Collaborate with GRC capabilities team to support Archer and other foundational capabilities

• Develop automated tools to write and QC review reports using LLM models

Experience and Background:

• Strong data & analytical skills; Proficiency in SQL and Python (R and SAS is a plus)

• Bachelor’s degree in management or science (statistics, engineering, decision science, finance, economics, or closely related fields)

• Graduate degree such as M.S. and Ph.D. (in statistics, finance, economics, or closely related fields); or MBA is preferred

• Strong Microsoft Excel, PowerPoint skills.

• Able to demonstrate strong knowledge of risk and financial management

• Good communication and interpersonal skills; able to clearly articulate or interpret technical documents, regulatory guidelines, and complex project requirements in a concise manner to various stakeholders

• Outstanding multi-tasking and project management skills

• Superb teamwork aptitude, to work with colleagues and stakeholder across various AXP offices globally

• Extremely high attention to detail

• Self-starter and enthusiastic attitude

Leadership Skills:

• Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged.

• Ability to communicate oversight findings to credit risk peers, business partners, and senior executives.

• Strong verbal and written communication skills.

Qualifications

Salary Range: $89,250.00 to $150,250.00 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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 work arrangements and schedules with hybrid and virtual options with Amex Flex

• 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 .

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

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.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

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/Employees - Click here to view the “Know Your Rights” poster and supplement and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

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: 25017627