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Director - Credit & Fraud Risk - job 6 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

Join American Express as the Director - Credit & Fraud Risk and play a pivotal role in our Finance team located in the vibrant heart of New York City. If you are someone who thrives on making impactful decisions and leading teams toward strategic insights, this could be the perfect fit for you! It's an exciting opportunity where your analytical spirit meets leadership. You’ll be guiding a talented group that focuses on delivering high-impact credit-risk analytics and forecasts, ensuring that every financial decision is based on solid insights. Imagine negotiating with global partners and collaborating with various teams—from Risk to Marketing—driving critical analytics that inform key business decisions. With the latest data tools at your fingertips, you'll uncover trends that enhance margins and boost company performance. We are looking for a strategic thinker with exceptional communication skills and a proven ability to influence stakeholders at all levels. Being part of Team Amex means you’ll not only elevate your career but also contribute significantly to our mission of providing the world’s best customer experience. So if you are known for your leadership and your ability to synthesize complex data into clear narratives, we want to hear from you! Join us and let’s lead the way together, ensuring that every colleague feels valued and empowered to succeed in our diverse and inclusive work culture.

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

As the Director - Credit & Fraud Risk at American Express, your responsibilities include leading a team that analyzes credit and fraud risks, driving financial decisions through fact-based insights, and collaborating with various departments such as Risk, Collections, Marketing, and Finance. You'll guide strategic initiatives and ensure adherence to governance while fostering an environment where innovative analytics can thrive.

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

The qualifications for the Director - Credit & Fraud Risk role at American Express include a minimum of 8 years of experience in Finance Data Analytics and Profitability, strong analytical skills, and proficiency in SQL. A Bachelor's degree in Finance or a relevant field is required, with an MBA being preferred. Excellent communication and leadership abilities are also essential to succeed in this role.

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How does the Director - Credit & Fraud Risk influence company strategy at American Express?

In the role of Director - Credit & Fraud Risk at American Express, you will have a significant impact on company strategy by providing analytical insights that drive financial and risk-related decisions. Your assessments will inform cross-enterprise initiatives, helping to establish profitability linkages and shaping the strategic direction of the organization.

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What tools and technologies does the Director - Credit & Fraud Risk use at American Express?

As a Director - Credit & Fraud Risk at American Express, you will utilize advanced data tools and technologies, primarily SQL, to mine and analyze large datasets. This will allow you to identify credit risk opportunities and provide deep analytics that enhance decision-making for the organization.

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

Career development opportunities for the Director - Credit & Fraud Risk at American Express include access to comprehensive training programs, mentorship from seasoned leaders, and the chance to lead high-impact projects that contribute to the company's growth and innovation. You will also have the opportunity to collaborate with various departments and expand your professional network.

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Common Interview Questions for Director - Credit & Fraud Risk
Can you describe your experience with credit risk analytics?

When answering this question, focus on specific projects you've worked on that involved credit risk analytics. Discuss the methodologies you used, the tools like SQL or data mining techniques, and the outcomes of your analysis. Highlight how your work has directly influenced financial decisions or risk management strategies.

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How do you prioritize projects in a fast-paced environment?

In response to this question, explain your approach to project prioritization. You might share how you assess urgency and impact, manage competing deadlines, and communicate with stakeholders to ensure alignment on priorities. Providing a specific example of a time when you successfully managed multiple projects can further highlight your skills.

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What leadership style do you employ when leading teams?

Discuss your leadership philosophy and how you adapt your style to fit team dynamics. You may want to describe how you foster collaboration, encourage open communication, and promote a culture of innovation. Providing examples of how your leadership style has positively influenced team performance can illustrate your ability.

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How do you ensure effective communication with cross-functional teams?

To demonstrate your communication skills, talk about your strategies for engaging with diverse teams. This could include regular updates, collaborative meetings, and using clear and simple language to explain complex data insights. Emphasizing your ability to tailor your message according to different audiences will showcase your adaptability.

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What strategies do you use to identify trends and insights in large datasets?

Explain the methodologies you employ to analyze large datasets, including any specific tools or software. You may mention how you leverage statistical analysis, data visualization techniques, or machine learning models to extract actionable insights and guide business decisions.

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How do you handle conflict within your team?

Share your approach to conflict resolution, emphasizing active listening and mediation skills. Discuss a specific instance where you successfully navigated a conflict, focusing on how you ensured all parties felt heard and how you worked towards a collaborative solution.

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Can you give an example of a significant risk you identified and how you addressed it?

Provide a detailed account of a specific risk you identified in a previous role. Explain the steps you took to analyze the risk, the recommendations you made, and how those led to enhanced strategies or policies within the organization.

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What is your approach to stakeholder management?

Talk about your techniques for building relationships with stakeholders. This may include understanding their needs and expectations, communicating effectively, and ensuring transparency throughout the analysis and decision-making processes. Sharing an example of a successful stakeholder engagement can underline your effectiveness in this area.

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How do you stay current with trends in credit and fraud risk management?

Discuss your habits when it comes to professional development, including reading industry publications, participating in webinars, and attending conferences. Highlight any groups or professional networks you belong to that keep you informed on the latest trends and best practices.

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What do you believe are the key metrics for assessing credit risk?

Outline the metrics you consider most important when assessing credit risk, such as default rates, credit utilization, and payment history. Explain why these metrics are crucial and how you have used them to inform decision-making in your previous roles.

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

3896 jobs
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BADGES
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
FUNDING
DEPARTMENTS
SENIORITY LEVEL REQUIREMENT
TEAM SIZE
EMPLOYMENT TYPE
Full-time, hybrid
DATE POSTED
April 15, 2025

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