Analyst-Risk Management

Job Description

At American Express, our culture is built on a 175-year history of innovation, shared and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Functional Responsibility

The Credit Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for independently overseeing and challenging the company's credit risk taking and credit risk management activities, including the comprehensive identification, management, and mitigation of credit risks within the company's risk appetite.

We are seeking a skilled, detail-oriented professional with technical expertise for credit risk governance. Responsibilities for this role include governance, reporting & analytics, working with stakeholders across the enterprise, regulatory support and building capabilities.

The incumbent will report to the Manager, Global Credit Risk Oversight.

Key Responsibilities:

• Governance
  • Maintain Credit Risk Management Policy
  • Maintain credit risk standards, procedures (in collaboration with functional team) and templates (e.g., reports, MEMO etc.)
  • Ensure adherence to credit risk board approved plan and findings resolution
  • Conduct QC checks on 2LOD review reports

• Reporting & Analytics
  • Quarterly Aggregate Credit Risk Assessment Report
  • Report Risk Appetite Framework (RAF) results and escalations and Control and Compliance (C&C) metrics
  • Utilize SQL and/or Python to extract, manipulate, and prepare large data sets
  • Work with large datasets to develop thresholds and perform risk analytics using statistical techniques
  • MIS reporting to partner teams (e.g., findings tracker, Smart Monitoring alert reports)
  • Perform ad-hoc analytics and reporting on credit findings (e.g., finding themes etc.)

• Internal Audit, Regulatory and Enterprise Risk Management (ERM) Support
  • Coordinate with functional team on IAG and regulatory requests
  • Coordinate and prepare meeting materials for quarterly interagency meeting
  • Matters Requiring Attention (MRA) and regulatory recommendation remediation

• Capabilities
  • Support the Portfolio Analytics team to develop next generation MIS capability
  • Collaborate with GRC capabilities team to support Archer and other foundational capabilities
  • Develop automated tools to write and QC review reports using LLM models

Minimum Qualifications

• Bachelor's degree in management or science (statistics, engineering, decision science, finance, economics, or closely related fields)
• Graduate degree such as M.S. and Ph.D. (in statistics, finance, economics, or closely related fields) or MBA is a plus
• Strong Microsoft Excel, PowerPoint skills
• Strong data & analytical skills Proficiency in SQL and Python
• Able to demonstrate strong knowledge of risk and financial management
• Good communication and interpersonal skills able to clearly articulate or interpret technical documents, regulatory guidelines, and complex project requirements in a concise manner to various stakeholders
• Outstanding multi-tasking and project management skills
• Superb teamwork aptitude, to work with colleagues and stakeholder across various AXP offices globally
• Extremely high attention to detail
• Self-starter and enthusiastic attitude

Leadership Skills:

• Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged
• Ability to communicate oversight findings to credit risk peers, business partners, and senior executives
• Strong verbal and written communication skills.
• Guardian

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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.