How will you make an impact in this role?

American Express Credit and Fraud Risk (CFR) leads end-to-end credit risk management of our consumer and commercial businesses. This entails developing and implementing strategies across customer life cycle - targeting, underwriting, credit limit management, ongoing customer management and collection activities to deliver profitable business growth without adverse surprises while providing an outstanding customer experience.

The credit risk team leverages cutting edge analytical techniques to generate insights from data to drive optimal decisions that balance growth with acceptable risks. The credit risk team works in close partnership with cross-functional teams across geographies and interacts extensively with external entities such as credit bureaus, new data providers and start-ups to develop and implement products and strategies.

This position will handle deep dive analytics, taking charge of the generation and optimization of programming code for the extraction of information from large databases, performing exploratory data analysis, visualizations and generating insights that are relevant to the strategies of the Credit Risk Team related to Customer Management as well as management of Corporate portfolio.

Minimum Qualifications

Bachelor’s degree required in Math's, Statistics, Computer Engineering, Economics, Data Science, or similar quantitative field of study. 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. Effective communication and presentation skills with the ability to influence others. Self-starter with an ability to work independently in a dynamic, fast changing environment and with a strong attention to details. Work experience with SQL and Python required. Tableau is desirable. Fluent English and Spanish.

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.