**Description** **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 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. This position is within the Commercial Customer Management group of American Express. This critical team is responsible for managing enterprise risks through the customer life cycle and across all our global products. We develop industry-first data capabilities, build profitable decisioning frameworks, create machine-learning powered predictive models, and improve customer servicing strategies. This team has delivered industry-leading results year after year while enabling profitable growth and delivering a best-in-class customer experience. **How will you make an impact in this role?** Responsible for driving excellence in case setup strategy leveraging profitability framework and commercial attributes to manage spend growth, mitigate losses and elevate customer experience in partnership with our servicing colleagues. + Design customer communication and strategies to drive self-resolution of credit concern through digital channels. + Support risk management strategies, ensuring a positive experience across every customer touchpoint while solving the credit issue + Identify, evaluate, and integrate new data sources and capabilities into decision-making + Analyze large volumes of data to identify emerging credit and digital trends + Maintain an effective control environment and respond to operational breakdowns with discipline + Ensure positive customer experience throughout the process using the guiding principles of reducing unnecessary disruptions, eliminating surprise at POS, and engaging digitally + Lead a team of diverse analysts guiding their development and career growth while empowering them to lead, voice their ideas, make collaboration essential and deliver high performance **Minimum Qualifications** + Experienced risk management professional with exposure of managing credit risk of consumer / commercial portfolios + Ability to provide structure in ambiguity, excel in a dynamic and complex environment, and deliver under tight deadlines. + Superior thought leadership, problem-solving, and advanced analytical skills + Self-starter, results-driven, intellectually curious personality + Excellent, effective written and oral communication + Exposure to tools like MLS, DBeaver, LUMI **Preferred Qualifications** + Advanced degree in statistics, econometrics, operations research, mathematics, data science Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Qualifications** Salary Range: $80,000.00 to $155,000.00 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 . 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. 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 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. **Job:** Risk **Primary Location:** US-New York-New York **Schedule** Full-time **Req ID:** 24020261