Senior Analyst - Risk Management: Lead Credit Risk Oversight and Drive Business Growth at American Express

Join the Team That's Revolutionizing the World of Risk Management

At American Express, we're on a mission to provide the world's best customer experience, and we're looking for a skilled Senior Analyst - Risk Management to join our Global Risk & Compliance team. As a Senior Analyst, you'll play a critical role in identifying and managing credit risk across all processes and geographies, driving business growth, and ensuring the company's continued success.

About American Express: A Culture of Innovation and Excellence

American Express is a global financial services company that values diversity, inclusivity, and innovation. Our company culture is built on a foundation of integrity, respect, and a commitment to delivering exceptional customer experiences. As a member of our team, you'll be part of a dynamic and diverse community of colleagues who are passionate about making a meaningful impact on our customers and the world around us.

Our company values are at the heart of everything we do, and we're committed to:

• Delivering exceptional customer experiences through our products and services
• Fostering a culture of innovation and continuous learning
• Promoting diversity, equity, and inclusion in everything we do
• Embracing our role as a responsible corporate citizen and giving back to our communities

The Credit Risk Oversight Team: Driving Business Success through Risk Management

The Credit Risk Oversight team within Global Risk & Compliance is responsible for reviewing the credit process in commercial lending portfolios at American Express. As a Senior Analyst, you'll be part of this team, working closely with Business Unit Risk teams to enhance decision processes, address major credit issues, and drive business growth.

Key Responsibilities: Leading Credit Risk Oversight and Driving Business Growth

• Conduct independent portfolio monitoring and credit risk assessments to identify potential risks and opportunities
• Develop and maintain automated monitoring rules to ensure effective risk management
• Review credit risk processes to ensure they are aligned with industry best practices and regulatory requirements
• Collaborate with Business Unit Risk teams to enhance decision processes and address major credit issues
• Analyze trends in the charge and lending portfolios and conduct deep dive analysis to understand key drivers
• Support the development of next-generation risk capabilities, such as Smart Monitoring
• Produce credit risk dashboards for AXP Risk Committees, including tracking risk appetite metrics

Qualifications: The Ideal Candidate

To be successful in this role, you'll need:

• 2+ years of credit experience in Banking, Credit Risk Management, or review experience
• Knowledge of financial statement analysis, including an understanding of key financial ratios and the ability to form independent opinions on credit and recognize emerging risks
• Familiarity with banking regulations, particularly those imposed by OCC and Federal Reserve
• Knowledge of macroeconomic trends and their impact on borrower repayment
• Analytical skills and business acumen with a risk-reward control perspective
• Experience with data-driven analytical tools, such as SQL, SAS, HIVE/HADOOP, R, or Python (a plus)
• Ability to clearly communicate findings to credit risk peers, business partners, and senior leaders
• Demonstrated courage to challenge the status quo and ability to successfully manage multiple priorities under pressure
• Proven ability to collaborate with colleagues across the Company
• Self-starter with natural curiosity to solve problems
• Bachelor's degree with a degree (or substantial coursework) in finance, accounting, economics, or statistics

Skills and Competencies: What We're Looking For

To excel in this role, you'll need to possess:

• Strong analytical and problem-solving skills
• Excellent communication and interpersonal skills
• Ability to work effectively in a team environment
• Strong business acumen and risk management skills
• Ability to adapt to changing priorities and deadlines
• Strong attention to detail and organizational skills

Career Growth Opportunities: Growing with American Express

At American Express, we're committed to helping our colleagues grow and develop their careers. As a Senior Analyst - Risk Management, you'll have opportunities to:

• Develop your skills and expertise in risk management and credit analysis
• Take on new challenges and responsibilities as you grow in your role
• Collaborate with colleagues across the Company to drive business growth and innovation
• Participate in training and development programs to enhance your skills and knowledge

Work Environment: Flexible and Inclusive

At American Express, we offer a flexible and inclusive work environment that supports the well-being and success of our colleagues. Our enterprise working model, Amex Flex, provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture.

Compensation and Benefits: Competitive and Comprehensive

We offer a competitive salary range of $55,000 to $105,000 annually, plus bonus and benefits, including:

• 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

Join Our Team: Make a Meaningful Impact

If you're a motivated and experienced risk management professional looking to make a meaningful impact, we want to hear from you. Apply now to join our team as a Senior Analyst - Risk Management and drive business growth and success at American Express.

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.