Manager-Risk Management

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, youll 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.

How will you make an impact in this role?

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.

The candidate is responsible to conduct independent credit risk assessments of commercial rating and underwriting decisions, develop monitoring rules, review credit risk processes, and take part in projects that provide credible challenge to 1st line credit risk teams. The candidate should have experience in commercial credit risk management, data & analytics, risk appetite limit setting, portfolio monitoring and relevant regulatory regulations, and guidance.

Key Responsibilities :

• Conduct independent review of wholesale rating and underwriting decisions and provide credible challenge to first line teams. Assess adherence to credit policies and procedures and bank regulations.
• Conduct quantitative analysis on risk management data to drive insights and recommendations for first-line teams.
• Collaborate with Business Unit Risk teams to enhance decision processes or address major credit issues.
• Identify credit risk metrics (e.g. KRIs and KPIs) to continuously monitor and oversee risk.
• Develop requirements to support the next generation risk capabilities
• Produce credit risk dashboards for AXP Risk Committees including tracking risk appetite metrics.
• Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers.

Qualifications :

Salary Range : $80,000.00 to $155,000.00 annually + bonus + 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.

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 :