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Director - Credit & Fraud Risk - job 9 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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Average salary estimate

$167500 / YEARLY (est.)
min
max
$130000K
$205000K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Director - Credit & Fraud Risk, American Express

Are you ready to take on a challenging and rewarding role as a Director of Credit & Fraud Risk at American Express in New York, New York? In this pivotal position, you'll lead a talented team focused on driving critical insights and analytics that directly influence both day-to-day operations and long-term business decisions. You'll be at the forefront of evaluating strategic initiatives, connecting customer behaviors with financial outcomes, and identifying opportunities for improvement across the enterprise. Your analytical prowess and thought leadership will guide the organization in making data-driven decisions, whether you're working closely with Risk, Collections, or Marketing teams. Imagine the satisfaction of shaping profitability strategies, advancing credit risk initiatives, and contributing to a culture rooted in integrity and support. With American Express, you'll not only be recognized for your contributions but also be afforded the opportunity to learn and grow in a dynamic environment that champions diversity and personal development. We invite you to be part of a mission-driven team that backs each other and our customers, fostering a workplace where everyone has a voice and feels valued. Your journey with us will be unique, allowing you to leverage the latest data tools and showcase your skills in a supportive setting. If you're an agile leader with a strong analytical mindset, bring your best self to Team Amex and help us lead the way in credit and fraud risk management. Join us and make an impact today!

Frequently Asked Questions (FAQs) for Director - Credit & Fraud Risk Role at American Express
What are the main responsibilities of the Director - Credit & Fraud Risk at American Express?

As a Director - Credit & Fraud Risk at American Express, your primary responsibilities include leading analytics initiatives that evaluate risk management decisions, establishing profitability linkages, and supporting various teams like Finance and Marketing. You'll be tasked with driving insights that inform strategic decisions and ensuring adherence to governance standards while analyzing trends to uncover opportunities for optimizing performance across portfolios.

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What qualifications are needed for the Director - Credit & Fraud Risk role at American Express?

To qualify for the Director - Credit & Fraud Risk position at American Express, you should have a minimum of 8 years of experience in Finance Data Analytics and Profitability. A bachelor's degree in finance or a related field is required, with an MBA preferred. Key skills include proficiency in SQL, exceptional communication abilities, a detail-oriented mindset, and strong leadership presence for effective collaboration with key stakeholders.

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What types of analytics will the Director - Credit & Fraud Risk at American Express focus on?

In the role of Director - Credit & Fraud Risk at American Express, you will focus on various analytics related to credit risk, including forecasting net loss provisions, examining customer behavior patterns, and driving profitability analysis. Your insights will inform credit-risk strategies and support the decision-making process within the organization, helping to shape the financial landscape of American Express.

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How does the American Express culture support the role of Director - Credit & Fraud Risk?

American Express culture is deeply rooted in diversity, teamwork, and personal development, which significantly benefits the Director - Credit & Fraud Risk role. You will find an environment where your contributions are valued, and you are encouraged to uphold company values while collaborating with various teams. This supportive culture enables you to thrive and make impactful decisions that shape the future of credit risk management.

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What growth opportunities are available for the Director - Credit & Fraud Risk at American Express?

American Express provides excellent growth opportunities for the Director - Credit & Fraud Risk role, including access to advanced data tools and technologies. You’ll be encouraged to explore various roles within the organization, enabling you to enhance your skills and knowledge in finance and analytics. With a strong emphasis on career development and training, you'll have the chance to continuously evolve and drive impactful results.

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Common Interview Questions for Director - Credit & Fraud Risk
What is your experience with data analytics in credit risk management?

To address this question effectively, highlight specific projects where you've utilized data analytics to assess credit risk. Discuss your skills in using analytical tools and your ability to translate complex data into actionable insights, demonstrating your impact on prior organizations.

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Can you explain how you approach risk evaluation and decision-making?

When answering this question, illustrate your analytical process by discussing how you assess various risk factors, gather necessary data, and collaborate with cross-functional teams to make informed decisions. Use examples to show your ability to balance risk and profitability.

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How do you communicate complex analytical findings to non-technical stakeholders?

Highlight your skills in synthesizing complex data into clear, concise stories. Provide examples of presentations or reports you've created that successfully communicated findings to diverse audiences and led to strategic decisions, ensuring your answer showcases your communication prowess.

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Describe a time when you led a project that significantly impacted financial performance.

Choose a specific example where your leadership led to measurable improvements in financial performance. Discuss the project scope, your role, the methodologies you employed, and the outcomes achieved, emphasizing your strategic thinking and results-driven mindset.

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What tools and technologies do you use for data analysis?

Discuss your proficiency in SQL, as mentioned in the job description, and other analytical tools or software you are familiar with. Mention how you leverage these tools for data mining, trend analysis, and making data-driven recommendations.

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How do you stay updated on trends in credit and fraud risk?

Explain your methods for researching industry trends, such as attending conferences, reading journals, and following thought leaders on social media. Emphasize your commitment to continuous learning and adapting to the evolving landscape of credit risk.

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What strategies do you implement to enhance credit risk and collections efforts?

Detail your strategic approach to improving credit risk and collections, such as developing risk assessment models, enhancing analytical capabilities, and collaborating with relevant teams to drive initiatives that optimize collections and minimize losses.

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How would you handle conflicting priorities in a fast-paced environment?

Discuss your approach to prioritization and time management. Provide an example of how you've successfully juggled multiple high-priority tasks and the strategies you used to ensure that your work was completed effectively and on time.

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Can you provide an example of how you’ve influenced change within an organization?

Use a specific example where you successfully advocated for or implemented a change that benefited the organization. Highlight your leadership skills, communication tactics, and the impact of your efforts on the team or project outcomes.

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What do you see as the biggest challenge facing credit and fraud risk today?

Share your insights into the current challenges in the credit and fraud risk landscape, such as evolving technologies or regulatory changes. Discuss how you would address these challenges and contribute to strategic planning at American Express.

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American Express is a multinational financial services corporation and global leader in providing personal, small business, and corporate credit cards.

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Badge Family FriendlyBadge Office VibesBadge Work&Life BalanceBadge Rapid Growth
CULTURE VALUES
Inclusive & Diverse
Empathetic
Collaboration over Competition
Growth & Learning
Transparent & Candid
BENEFITS & PERKS
Medical Insurance
Dental Insurance
Mental Health Resources
Life insurance
Disability Insurance
Child Care stipend
Employee Resource Groups
Learning & Development
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EMPLOYMENT TYPE
Full-time, hybrid
DATE POSTED
April 13, 2025

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