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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 #TeamAmex 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.

American Express Global Commercial Services (GCS) serves businesses, big and small around the globe, with an objective to become the leading working capital provider. We are seeking an individual contributor Manager to be a part of the team in Credit & Fraud Risk responsible for GCS's Small Business New Account Decisions. This team is responsible for the underwriting policies, onboarding process for Prospect Businesses. Within the broader credit risk organization, this team supports the success of the GCS business unit through innovative solutions that help enable profitable growth via acquisition while maintaining robust low tenure credit performance. This role will report into the Director of Global Commercial New Accounts, to work on an exciting growth area for American Express with excellent visibility to Senior Leadership. This team will partner with the larger credit and fraud risk organization, product management, finance, acquisition, customer marketing, legal, compliance and technology.

How will you make an impact in this role?

Be responsible for new accounts decisions for US Commercial Small Business Products from a risk perspective - this includes analytics, strategy, and capabilities, across new accounts and existing customers. Drive Core Underwriting risk strategies to determine approval and decline decisions for customer applications leveraging core risk infrastructure include risk models, lending capabilities and bureau information. Evaluate additional data sources to drive incremental approvals around the margins Partner with marketing partners and targeting teams to harmonize underwriting and targeting. Monitor and analyze new accounts credit trends and perform analyses to inform risk management and business strategies. Work with and influence Product, Marketing, and Finance teams within the GCS organization and broader credit and fraud risk organization to design and implement critical initiatives that enable prudent and profitable growth while controlling for through-the-cycle volatility. Ensure control, compliance, and operational risk mitigation in all processes and design for a streamlined user experience across customer touch points. Drive deep-dive analytics and partner with the Decision Science team to enhance economic logic that supports core risk management decisions. Actively participate in Global Commercial Risk governance committees as required and regulatory updates

Minimum Qualifications

This position requires a hands-on, roll-up-their-sleeves type of candidate who can delve deep into the operational details of the company. Above all, you must have excellent analytical capabilities with the ability to bring an innovative perspective to the strategic and operating requirements of the role.

You are willing to be an example and set the tone for the group, and thrive in a dynamic environment while influencing colleagues from partner organizations, often with conflicting priorities

2+ years' experience in Credit Risk management Strong analytical and quantitative skills (Masters in an analytical field preferred) A strong balance of strategic and analytic acumen, with a high level of intellectual agility and capacity for original and innovative ideas Ability to cope with ambiguity and complexity, while handling a multitude of projects and relationships Ability to collaborate and influence partners effectively and to drive large scale cross-functional initiatives Excellent communication skills, including the ability to present to and work with Executives. Extensive experience in the financial industry Willingness to experiment and learn Intelligent risk taker Implements and manages change effectively Team player but with the courage to share a point of view for the benefit to the organization

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.

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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