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.

• Credit Risk Framework: You have an expert understanding of developing best in class credit risk strategies and experience in profitability optimization.
• Credit Risk Management: You can define forward-looking credit risk reporting including critical insights, which will support senior leaders to make a strategic decision.
• Compliance Management: You have a good knowledge of the credit card regulatory environment and can support the team to achieve full compliance with applicable policy and regulations.
• Industry and Innovation: You have an in depth industry knowledge and continuously seek to innovate credit risk strategies.

• Proficient in English and German
• Minimum 8+ years of Credit Risk Management, Credit Modeling or Data Analytics in a Banking/Financial Service Industry
• Advanced degree in business, finance, statistics, economics, engineering or mathematics
• Extensive experience developing credit risk acquisition strategies and working with third party providers (credit bureau and others)
• Strong skills in SQL or Python
• Self-starter with strong problem-solving and communication skills and enjoys working in a cross functional environment

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

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• Competitive base salary
• Bonus incentives
• Support for financial well-being and retirement
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Healthy Living activities, including insightful health and workout webinars and medical screening
• Healthy Living activities or relaxation programs with showers on site
• Subsidized company fitness membership with "Family Plus 1" at Egym Wellpass
• Integrative and helpful benefits for parents, including first-aid rooms for privacy while breastfeeding, emergency childcare services, and childcare subsidies
• Occupational health consultation for workplace health advice
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

Amex Flex offers our colleagues flexibility to develop personally and professionally while ensuring that the special benefits of our unique personal culture are preserved. In Germany, we have concluded an agreement with the works council with specific directives on Amex Flex. Depending on role and business needs, colleagues work either on site, in a hybrid model or completely virtually.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

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.