Job Description

You Lead the Way. We've Got Your Back.



With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you'll learn and grow as we help you create a career journey that's unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.



At American Express, you'll be recognized for your contributions, leadership, and impact--every colleague has the opportunity to share in the company's success. Together, we'll win as a team, striving to uphold our company values and powerful backing promise to provide the world's best customer experience every day. And we'll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.



Join Team Amex and let's lead the way together.


About Credit & Fraud Risk Finance



Credit & Fraud Risk (CFR) Finance team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and collections credit-risk related insights and deep analytics. The key objective is to drive prudent financial decisions and support credit-risk and collections strategies while ensuring adherence to governance and controls. This position will be part of a highly talented team with strong intellectual curiosity.


About the Analyst role:


Description:



The team supports all regional Finance teams, Risk Management, and Marketing teams on all aspects of Loss Provision. Our key responsibilities include Planning, Forecasting, & Reporting - Build financial forecasts for Net Loss Provision to aid in investment decisions. Communicate monthly results and highlight key drivers of change to better enable long-term planning. This position will be lead a highly talented team driving Reserves, Recoveries and Collections forecast and Credit Risk Analytics. Our team is excited about solving business problems through data and insights.



How will you make an impact in this role?


• Support Provision Forecasting through Analytics of our International Card and Non-Card portfolios, through close partnership with Chief Credit Officers in the regions and central Credit COE based out of India.


• Provide decision-support with a strong emphasis on developing analytics that identify trends and opportunities in the portfolio which can be used to optimize Business and Risk decisions.


• Develop and present key analyses and monthly recoveries and collections results to senior management.


• Provide thought leadership in development/enhancement of Forecasting models as well as strategic business analytics on Reserves, Recoveries and Collections.


• Work cross-functionally on projects across the Risk Finance organization to help AXP meet its long-term growth targets.


Qualifications:


• Hands-on experience working on financial analytics using large amounts of data.


• Advanced excel modeling skills and high level of proficiency in PowerPoint are required.


• Proficiency in SQL, Hive/Yellow Brick required; Python preferred.


• TM1, Tableau, Power BI or other visualization tools experience is strongly preferred.


• BS/MS in Finance, Mathematics, Statistics or Computer Science


• Previous card/risk management experience and/or 5+ years of work experience preferred.


Skills:


• Solid financial and analytical skills; ability to work with large sets of data and draw meaningful conclusions, empowering our business partners to make smart, information-based decisions.


• Superior attention to details, along with exemplary organizational and problem-solving skills


• Must be results-driven and proactive with the ability to manage multiple projects and work within tight timelines.


• Desire to work on ambiguous projects, creating clarity while driving successful and meaningful outcomes.


• A strong work-ethic and robust interpersonal skills, showcasing the ability to maintain and build relationships and effectively collaborate with team members to achieve goals.


• Ability to drive results in collaboration with multiple stakeholders.


• Strong leadership skills with the ability to influence key stakeholders with data driven insights.



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 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.