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With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

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.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, 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.

The Credit Risk Oversight organization within Global Risk & Compliance (GRC) is responsible for identifying and managing credit risk across all processes and geographies at American Express.

The candidate is responsible to conduct independent portfolio monitoring and credit risk assessments, develop and maintain automated monitoring rules, review credit risk processes, and take part in projects that provide effective challenge to 1st line credit risk teams.    This role assures that Institutional Credit risk is properly evaluated and effectively communicated.   The role also provides the opportunity to work with and impact numerous diverse businesses at American Express.    The breadth of responsibilities in this role provides a great training ground for a candidate looking to understand the key principles of Institutional credit risk management.   

 

Key Responsibilities:

Conduct independent reviews of commercial credit risk processes and provide effective challenge to first line teams.  Assess adherence to credit policies and procedures and bank regulations.

Conduct quantitative analysis on risk management data to drive insights and recommendations for first line teams.

Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues.

Identify credit risk metrics (e.g. KRIs and KPIs) to continuously monitor and oversee risk.

Develop requirements to support the next generation risk capabilities (e.g. Smart Monitoring)

Produce credit risk dashboards for AXP Risk Committees including tracking risk appetite metrics.

Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers.

 

Qualifications:

2+ years’ Credit risk management experience including the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations.

Familiarity with banking regulations, particularly those imposed by OCC and Federal Reserve.

Knowledge of macroeconomic trends and its impact on borrower repayment.

Analytical skills and business acumen with a risk-reward control perspective.

Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python);

Ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders.

Demonstrates the courage to challenge the status quo.

Demonstrates the ability to successfully manage multiple priorities under pressure.

Proven ability to collaborate with colleagues across the Company.

Self-starter with natural curiosity to solve problems.

Bachelor’s degree with high GPA and a degree (or substantial coursework) in finance, accounting, economics, or statistics

 

Leadership Skills

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

Proactive in identifying issues, delivering and escalating key findings, and advising on recommended solutions to correct issues or mitigate risks.

Strong verbal and written communication skills, and ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders.

Salary Range: $55,000.00 to $105,000.00 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 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.

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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