Job Description

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

How will you make an impact in this role?

This position is part of the US Consumer Charge FUW, Rev Code and Spend Enablement team, and will be primarily responsible for Financial Underwriting for US Consumer Charge portfolio. Consumer PFG is a growing function with the objective to manage high exposure on charge cards to minimize incremental high balance WO loss while also ensuring a smoother customer experience for premium charge customers, and this position plays a key role as part of a dynamic team to manage our Consumer FUW strategies including PFG, Re-UW, RLI and FUW RLA.

Some of the key responsibilities for the role include:-

• Manage and continuously enhance Proactive Financial Gathering trigger logic
• Refine systematic and manual underwriting strategy
• Partner with RPDS, GSG and SBS to build robust next gen FUW capabilities
• Prepare and lead FUW case reviews with senior leadership
• Support UW case reviews and resolution of executive escalations
• Support Project Guardian related milestones including RCSA action items for Charge FUW process
• Collaborate closely with functional and servicing partners to profitably manage and maximize customer relationships
• Ensure operational excellence and compliance with regulatory, audit and oversight requirements

Minimum Qualifications

• Strong analytical, problem solving, and project management skills
• 4+ years experience in driving and implementing credit risk management strategies
• Exceptional professional communication skills
• Demonstrated ability to influence partners
• Advanced degree in statistics, econometrics, operations research, mathematics, computer science, engineering, or a related quantitative field of study

Preferred Qualifications

• Adaptable interpersonal skills, high energy, and a proven team-first mentality
• Sound judgment, great sense of urgency, and strategic thinking
• Intellectual curiosity and learning agility needed to explore and evaluate new ideas

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.