Analyst-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, you'll 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 Enterprise Data Strategy (EDS) team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team also manages data strategy, and relationships with key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team serves as a critical channel for the exploration of new data opportunities for the firm. The incumbent will be part of the Enterprise Data Strategy team based out of India and will assume the role of an Analyst for Global Account Monitoring Product Management & Commercial Analytics within the Enterprise Data Strategy team and will partner closely with CCOs, Decision Science, Strategy & Products teams within Amex & external data partners to drive data innovation and standardization of bureau capabilities globally and optimize credit risk decisions by harnessing both internal and external data assets
We seek a problem-solver to serve as an Analyst - GAM Product Management & Commercial Analytics to help define data driven decisions to improve customer experience, enable cross platform migrations / data integrations to optimize risk decisions

Responsibilities

• Manage New Data integrations globally across customer management life cycle including consumer, commercial and fraud data sources.
• Partnering with our CFRC Product owners to manage the execution by defining, validating and being responsible for end-to-end product ensuring operational risk guidelines are being adhered
• Define project intake based on data-usage economics, execution effort, compliance/regulatory Alignment and timing of data usage
• Continuously monitor coverage/data freshness/accuracy and identify opportunities for improvement for commercial portfolio
• Build data driven insightful analytics to identify opportunities in bureau processes for commercial portfolio
• Analytically define the measures to reduce dependency on global data sources and identify opportunities for alternate data sources

Qualifications

• 1+ years of credit, operational risk, risk management and/or information management experience
• The candidate should showcase strong project management discipline, critical and strategic thinking, and strong communication skills; be analytically inclined and have a will to dive into numeric details.
• Strong data handling and ability to apply statistical / quantitative techniques and methods to drive business results. SAS or SQL expertise, a must
• Strong written and verbal communication skills, including the ability to communicate project scope in documentation and presentation format

Technical Skills/Capabilities

• Knowledge of SQL/SAS/HIVE/PYTHON
• Working knowledge of Credit Card business, Risk and Financial Management platforms is desired

Knowledge of Platforms:

• Knowledge of key capabilities like AR systems
• Understanding of Bureau related capabilities would be plus

Enterprise Leadership Behaviors

• Set the Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective
• Bring Others with You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential
• Do It the Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage

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:

• 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

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.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.