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.

Description: 

Credit & Fraud Risk (CFR) manages the risk strategies across all markets and portfolios to minimize the company’s credit and fraud losses while promoting business growth and delivering superior customer service. 

The position is responsible for managing credit risk Customer Management strategies for Consumer, SBS and GCP portfolio for the International markets. The role would specifically have direct functional responsibility for:

Authorizations: Credit strategies to approve or deny transactions at the point of sale for all International card members Responsible Lending Actions: Strategies to take actions designed to reduce exposure to high risk CMs. Examples include line reductions, global limit placements and cancellations. Case Setup and Financial UW: Strategy to determine the right trigger to setup customers for a credit review (E.g. collect a past due payment) Financial Relief Program/Collections: End-to-end accountability of our Financial Relief Constructs including value proposition, enrollment journeys, lifecycle management and graduation strategies Credit Communications: Design and own E2E Credit Notification strategies for all International card members

Minimum Qualifications:

Strong analytical acumen, problem solving, project management skills with demonstrated proficiency in managing multiple projects simultaneously Demonstrated experience driving and implementing credit risk management strategies Exceptional professional communication skills – clear, logical, and structured Demonstrated ability to influence at all levels Adaptable interpersonal skills, high energy, and a proven team-first mentality Sound judgment, strong situational leadership, and strategic thinking Rigorous and analytical approach to problem-solving, decision-making, and prioritization Intellectual curiosity and learning agility needed to explore and evaluate new ideas Advanced degree in statistics, econometrics, operations research, mathematics, computer science, engineering, or a related quantitative field of study

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

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.  

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