You Lead the Way. We’ve Got Your Back.

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 will you make an impact in this role?

The incumbent will be responsible for managing risk throughout the lifecycle of American Express’ credit products by supporting the market to drive profitable business growth while effectively managing credit losses to acceptable levels and providing an outstanding customer experience to our Card members.

 Job Responsibilities (Essential Functions):

 Primary responsibilities will include:

• Designing, developing and implementing risk strategies and initiatives for the region to profitably grow billed business, while controlling net loss provision and improving client satisfaction.

• Effectively interacting and collaborating with colleagues from the central Risk Management organization, as well as Operations and Marketing teams to develop, enhance and implement approved credit strategies and processes.

• Deeply understand and closely monitor key metrics of the credit performance for the portfolio and the implications on trends, diagnosing problems and identifying opportunities for improvement and/or corrections.

• Running ad hoc analytics and conducting independent risk assessments across various processes to identify potential emerging risks and performance issues.

 Critical Factors to Success:
Demonstrate ability to lead in conceptualizing and implementing data driven risk management solutions. Ability to collaborate across teams in a highly cross-functional environment with flexibility and adaptability to work with tight deadlines and changing priorities. Role requires very strong partner management skills.

Minimum Qualifications

• Effective communication and presentation skills with the ability to influence others.

• Exceptional analytical and problem solving skills with experience to lead and perform data analytics.

• Track record of driving results with strong thought leadership and ability to manage multiple projects simultaneously.

• Deep understanding/experience of risk management principles with underwriting and customer management knowledge.

• Flexibility and ability to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive changes.

• Self-starter with an ability to work independently in a dynamic, fast changing environment and with a strong attention to details.

• Work experience with statistical programming language e.g. SAS, SQL, R, Python required.

Preferred Qualifications

Japanese Language Proficiency

Bachelor’s degree required in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study.

Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred.

 

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  Support for financial-well-being and retirement  Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)  Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need  Generous paid parental leave policies (depending on your location)  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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.