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.


Core Responsibilities/ Key Deliverables:



This role is responsible for leading credit bureau reporting for global markets to ensure the regulatory and contractual adherence regarding bureau data. The incumbent will assist in governing credit bureau data privacy principles (anonymity, reciprocity, standardization) and will help to ensure that the market is protecting credit bureau information integrity, including secure information exchange.


• Candidate will drive day-to-day credit bureau reporting quality management (including problem management) and work with dedicated credit bureau resources to conduct and manage data quality and uphold transmission oversight
• Serve as the central point of contact for credit bureau administration
• Manage day to day working relationship with Credit Bureaus
• Manage credit bureau projects - define business requirements, design bureau processes, design operational processes, ensure procedures and training are delivered, test with the credit bureaus, implement governance and controls over the new processes, provide sign off for implementation
• Execute Operational Bureau Data Exchange Controls
• Work with Technologies to drive day to day credit bureau data exchange oversight, including ensuring data security, change management and follow up on transmission anomalies
• Execute against all credit bureau policies, principles and best practices
• Participate in business self-testing (as required) over the credit bureau reporting process
• Facilitate data quality, information integrity, MIS and security reviews (including transaction testing) over credit bureaus and related vendor information providers


Skills/ Qualifications



• + Exposure to credit bureau and risk management domain - 5-8 years
+ Knowledge of platforms is a must;Technical platforms - SAS, SQL, Python, Hive and Cornertone,
+ Strong knowledge of underwriting, customer management, credit & collections, risk oversight or other credit or fraud risk management discipline(s).
+ Flexibility and ability to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive changes.
+ Strong business project management skills and understanding of technology/project management methodologies (Agile).
+ Prior experience of working for US market and familiarity with regulations and reporting principles will be a preferred
+ Excellent communication and presentation skills with the ability to influence others
+ Project manage and drive resolution over internal or third party derived credit bureau issues and required process enhancement

Preferred Qualifications


• + - Degree required in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study.
- Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred.

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.