Job Description
At American Express, our culture is built on a 175-year history of innovation, shared and Leadership Behaviours, 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.
This critical leadership role will be responsible for successful end to end delivery ofKey Customer Management and Underwriting capabilities for Project Fusionby partnering with Product, Acquisitions, AET, Credit Operations and external vendors (Fiserv and Jocata) and COE team.This exciting role will cut across consumer & commercial, new accounts and customer management functional areas.
Key Responsibilities:
- Drive successful transformation ofKey Customer Management & Underwriting capabilitiesas part of Project Fusion for India market.
- At New Accounts: Partner with vendors - Jocata and Fiserv, credit bureaus and third-party data providers (ex. Perfios, Save Risk, Genpact etc ), CFR decision sciences, strategy teams (credit, CBO & fraud risk) and India business teams to migrate, simplify/enhance and implement underwriting processes (Commercial LE Onboarding etc) in Jocata
- At Customer Management: Partner with Fiserv and Jocata, credit bureaus, FICO teams, third-party data providers (ex.Save Risk , Genpact etc ), CFR decision sciences, strategy teams (credit, CBO & fraud risk) and India business teams to migrate, simplify/enhance and implement customer management processes (Case Setups, RLA, Authorizations etc) in Fiserv.
- Key lead and conduit between CFR RPDS, AXP Central Data Office, ICS Business, ICS Technologies, third-party data providers and Vendors (Fiserv & Jocata) teams to define the POA Data needs & strategy for CFR processes.
- Drive milestones towards flawless execution & implementation of our new set of issuing product platforms and capabilities (both consumer and corporate).
- Measure of success would also be driving more streamlined and simplified business with sound governance processes.
- Collaborate with workstream owners to identify & mitigate barriers to roadmap execution, including understanding critical cross-workstream and cross-platform dependencies.
- Partner with Tech SMEs, other Product Owners & Business SMEs toensureanaligned capability development strategyis being deployed.
Qualifications
- Strong quantitative, analytical, project management and structured problem-solving skills in Credit Risk Management
- Indepth knowledge of Triad, Falcon, Vision Plus, JOCATA platforms will be preferred.
- Ability and willingness to work in a fast-paced environment and on aggressive timelines.
- Effective team player and be able to manage multiple projects.
- Experience in analyzing data, drawing inferences, and making recommendations.
- Strong relationship management and negotiation skills with an ability to effectively collaborate with multiple stakeholders
- Thorough understanding of credit card business economics.
- Candour in communication
- An advanced quantitative degree in business administration, engineering, statistics, or economics and/or equivalent work experience will be preferred.
- Developing and maintaining strong working relationships with the credit bureaus, fintechs and other vendors
- Ensuring compliance with all regulatory requirements through robust risk policies.
- Continuously strive for excellence and lead with an external perspective
- Nurture and develop a high performing team
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.
