Job Description

How will you make an impact in this role?

The Credit and Fraud Risk (CFR) Finance team partners with the Risk organization to drive analytics that support our risk activities and inform the Company’s credit outlook, including expectations for write-offs, CECL and IFRS9 reserve levels, and CCAR stress testing. The team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights. The key objective is to drive profitable financial decisions and support credit-risk strategies while ensuring adherence to governance and controls.

Responsibilities:

• Support results and analysis for CECL and IFRS9 reserves driving deep analytics and insights with an enterprise focus
• Support credit reserve discussions with the Credit Reserve Committee, Risk Management teams, all lines of defense, and regulators
• Analyze potential emerging credit risks from both internal and external sources. Develop analytics to determine impact on credit reserves.
• Support ad hoc and strategic analyses including portfolio performance, scenario analysis, and risk-related deep dives as needed
• Support the preparation of reports and presentations on reserve trends for senior management and various committee meetings
• Run well-controlled and governed processes for CECL and IFRS9
• Develop and maintain methodologies to estimate credit reserves and adjustments
• Maintain comprehensive documentation and support discussions with Model Risk Management Group, audit, and regulators
• Partner with other CFR Finance teams, Risk, and Controllership on evaluation of credit reserve drivers and forecast implications
• Partner with various cross-functional teams, including Controllership, Corporate Planning, and Risk Modeling and Technology

Minimum Qualifications:

• Bachelor’s degree in Finance, Mathematics, Economics, Computer Science, or related fields
• Advanced skills in SQL and Python; strong proficiency in Excel and PowerPoint
• Strong understanding of statistical and machine learning–based predictive modeling using complex datasets
• Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders including senior leaders and regulators
• Must be able to translate ideas into analyses with measurable business impact and demonstrate thought leadership that informs decision-making
• Ability to manage multiple tasks and projects simultaneously, with great follow-up and attention to detail, and work well in a fast paced and dynamic environment
• Detail-oriented with a commitment to accuracy and compliance

Preferred Qualifications:

• Master's degree in Finance, Mathematics, Economics, Computer Science, or related fields
• Experience in financial services loss forecasting/CECL
• Hands-on experience performing analysis and building scalable, automated analytical tools using Python to improve efficiency, consistency, and controls

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.