Senior Manager-Risk Management
American Express · Posted Oct 14
Banking, credit card, payment network, and travel services
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About the role
This role sits within Commercial Portfolio Analytics and focuses on the US Small Business Card Portfolio, tracking and monitoring key portfolio credit risk metrics, proactively identifying emerging risk, performing root cause analysis to decode risky trends, and partnering with functional strategy owners to influence risk strategy. The position leads executive-level risk reporting, governance and regulatory deliverables, and market/competitive intelligence using external data sources. It also partners across Credit Risk Functional teams, Consumer, Finance, RPDS, Blue light teams, GRC and CCAR to drive portfolio analytics and forward-looking risk assessment.
What you will do
- Lead US SBS portfolio analytics to track performance, identify key risk indicators and pre-emptive risk identification for Commercial CCO
- Perform deep dives on trends, translate complex data into actionable business insights that inform Senior leadership about emerging risk trends
- Lead development of executive-level risk reporting, governance materials and regulatory asks with utmost attention to detail
- Partnering with Functional strategy to drive meaningful deep dives due to strategy changes for US SBS portfolio and assess its impact to portfolio KPIs .
- Manage the Multiple Regulatory deliverables like Risk Classification, CFRC in line with 2 LOD guidelines, maintaining strong partnership across 2nd LOD, Consumer & International portfolio teams. Build frameworks for RCA of breach/buffers of Key KPIs to share with regulators.
- Unlock opportunities for leveraging secondary data sources/tools for impact to delinquencies and write offs
- Maintain deep expertise in sources of competitive /market data sources --D&B, Aacer, Beckett & Lee, Experian ONS, Argus, Sandbox, US courts etc.
- Leverage external benchmarking and emerging trends to anticipate opportunities and inform leadership
- Partner with Credit Risk Functional teams, Consumer, Finance, RPDS, Blue light teams, GRC, CCAR etc.
- Demonstrate adaptability to new tools /process like Power BI/GenAI preferred to enhance forward-looking risk assessment capabilities
Skills used in this role
What the employer is looking for
- 4+ years of experience in Commercial or Credit risk management
- Graduate degree in a quantitative or business discipline (Economics, Statistics, Engineering, MBA) strongly preferred
- Rigorous and analytical approach to problem-solving, decision-making, and prioritization collaboration across teams
- Strong strategic problem solving and ability to translate analytics into business impact
- Demonstrate Learning agility, make decisions quickly with highest level of integrity, show courage to challenge status quo
- Proven track record in supporting high paced, quick turnaround complex analysis & developing/delivering risk insights to Senior Leadership
- Demonstrate ability to efficiently hire, mentor, train and develop a team in all aspects of their role.
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
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