Director - Credit & Fraud Risk - job 1 of 10

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.

Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on #TeamAmex.

How will you make an impact in this role?

About Credit & Fraud Risk Finance

Credit & Fraud Risk Finance team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights and deep analytics. The key objective is to drive prudent financial decisions, perform Enterprise analytics and support credit-risk strategies while ensuring adherence to governance and controls.  This position will be part of a highly talented team with strong intellectual curiosity.

How will you make an impact in this role?

This Director-level position leads a team supporting Risk Management in evaluating strategic decisions, establishing profitability linkages between customer behaviors and credit provision and driving credit-related analytical insights to key stakeholders such as Risk, Collections, Marketing & Finance teams.

Partner with Risk and Finance teams on cross-enterprise strategic initiatives by driving key analytics to inform business decisions

Drive awareness of data / insights / market / portfolio trends across businesses and proactively identify opportunities for analysis

Develop skills; mining and analyzing data to identify credit risk and collections opportunities across portfolios to enhance margins, either through revenue generation or expense reduction (primarily via SQL)

Provide thought leadership on projects across the Global Risk Finance organization to help AXP meet its long-term growth targets

Evaluate Risk projects that span multiple businesses and produce cost/benefit analysis to inform prior prioritization of investment dollars.

What You’ll Bring:

This position will provide the candidate with broad exposure across AXP, including Chief Credit Officers, Finance LFO’s and Marketing leadership. As such, Big Picture thought leadership and excellent communication skills are necessary to tailor complex messages to key stakeholders.

Minimum Qualifications:

·       8+ years of experience in Finance Data Analytics & Profitability

·       Analytical Skills – think critically and creatively about our business to identify good topics for analysis, manipulate large amounts of data, decipher trends, and generate meaningful insights

·       Superior attention to detail - demonstrate exemplary organizational and problem-solving skills

·       Communication Skills – Synthesize data into an easy-to-understand story & articulate key messages across multiple audiences

·       Agile Mindset – Positive, can-do attitude, adaptable to change, and highly motivated self-starter

·       Leadership – Act & lead with courage, build relationships, make decisions quickly & influence change.  Do you drive results?

·       Proficiency in SQL

·       BS. in Finance or relevant field

Preferred Qualifications:

·       MBA preferred

Salary Range: $130,000.00 to $205,000.00 annually + bonus + equity (if applicable) + 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.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

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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