Manager-Risk Management
American Express · Posted Oct 30
Banking, credit card, payment network, and travel services
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About the role
Commercial Rating and Underwriting (CRU) sits within American Express's Credit and Fraud Risk division and manages institutional credit risk across business units and regions globally. The team determines internal credit ratings, calculates loss given default, and underwrites corporate and small business card exposures in line with Basel and Federal Reserve standards. This role independently rates mid and large corporate borrowers, underwrites credit exposures, monitors portfolio hygiene, and leads analysts while managing team workflow.
What you will do
- The CRU Manager is responsible for independently determining credit rating of mid and large corporate borrowers across diversified industries through fundamental analysis, along with underwriting credit exposures. While fundamental analysis incorporates a thorough review of industry, business, financial and country risk coupled with support from internal and external rating model outputs, credit underwriting includes understanding the need for credit extension, profitability of the relationship and program structures.
- Role will involve ongoing management and continuous monitoring of portfolio hygiene as well as conducting research and analysis to develop industry/sector expertise and knowledge. Further responsibilities will include, but not be limited to:
- Managing the team workflow and ensure timely completion of assigned activities and maintaining the productivity standards of the team,
- Ensure accuracy of underwriting decisions for himself/herself and the team
- Leading analyst(s) on Coaching & Development, Performance Management, Evaluation and Monitoring
- Attend internal and external stakeholders’ meetings where appropriate to support business outcomes.
- Be current on all firm-wide risk policies and ensure all governance, reporting and data quality requirements are met and maintained for borrowers and borrower groups,
Skills used in this role
What the employer is looking for
- 5-8 years with relevant experience gained in Corporate Credit & Risk Management function of a Corporate or Institutional Bank with minimum 3 years of experience as an approving authority and people leader.
- MBA from Top Tier B-School or professional qualification in Accountancy,
- Professional qualifications like Chartered Financial Analyst (CFA) and/or Financial Risk Manager (FRM), is a plus
- Robust understanding of Financial Statements including Ratio Analysis, Cash Flow Analysis, Accounting Standards, Accounting treatment and Financial Adjustments
- Clear grasp of Corporate Finance concepts and their application
Benefits and support
- 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
About American Express
American Express Company is a globally recognized multinational financial services corporation specializing in payment cards, travel-related services, and network banking. Founded in 1850, the company provides charge and credit cards, expense management products, and merchant services to consumers, small businesses, and large corporations worldwide. It operates a proprietary payments network known for its premium customer engagement and lifestyle rewards programs.
- Industry
- Banking
- Company size
- 76800 employees
- Founded
- 1850-03-18
- Location
- New York City, New York, USA
- Funding stage
- Public Company
Leadership
Chairman and Chief Executive Officer
Chief Financial Officer
Chief Information Officer and Executive Vice President
Chief Colleague Experience Officer
Chief Marketing Officer
Recent coverage
Investing.com
AmEx lifts 2026 profit forecast, plans to cut 5% of workforce2026-10-23
Associated Press
American Express profits rise; company plans to cut workforce by 5%, or about 3,500 employees2026-10-24
MarketScreener
American Express raises 2026 profit forecast as affluent customers keep spending2026-10-23
GuruFocus
American Express Co (AXP) Q3 2026 Earnings Call Highlights: Record $20.1 Billion Revenue2026-10-24