Senior Manager-Risk Management

This role is for Sr Manager in Commercial Portfolio Analytics focused on US Small Business Card Portfolio. The core responsibilities of the candidate will be the tracking and monitoring of key portfolio credit risk metrics, proactively identifying emerging risk, root cause analysis to decode risky trends and partnering with functional strategy owners to influence risk strategy.

Insight Driven Complex Analytics

Lead US SBS portfolio analytics to track performance, identify key risk indicators and pre-emptive risk identification for Commercial CCO

Perform deep dives on trends, translate complex data into actionable business insights that inform Senior leadership about emerging risk trends

Lead development of executive-level risk reporting, governance materials and regulatory asks with utmost attention to detail

Unstructured Problem Solving

Partnering with Functional strategy to drive meaningful deep dives due to strategy changes for US SBS portfolio and assess its impact to portfolio KPIs .

Manage the Multiple Regulatory deliverables like Risk Classification, CFRC in line with 2 LOD guidelines, maintaining strong partnership across 2nd LOD, Consumer & International portfolio teams. Build frameworks for RCA of breach/buffers of Key KPIs to share with regulators.

Unlock opportunities for leveraging secondary data sources/tools for impact to delinquencies and write offs

Market /Competitive Intelligence

Maintain deep expertise in sources of competitive /market data sources --D&B, Aacer, Beckett & Lee, Experian ONS, Argus, Sandbox, US courts etc.

Leverage external benchmarking and emerging trends to anticipate opportunities and inform leadership

Strong Collaboration/Agility

Partner with Credit Risk Functional teams, Consumer, Finance, RPDS, Blue light teams, GRC, CCAR etc.

Demonstrate adaptability to new tools /process like Power BI/GenAI preferred to enhance forward-looking risk assessment capabilities

4+ years of experience in Commercial or Credit risk management

Graduate degree in a quantitative or business discipline (Economics, Statistics, Engineering, MBA) strongly preferred

Rigorous and analytical approach to problem-solving, decision-making, and prioritization collaboration across teams

Strong strategic problem solving and ability to translate analytics into business impact

Demonstrate Learning agility, make decisions quickly with highest level of integrity, show courage to challenge status quo

Proven track record in supporting high paced, quick turnaround complex analysis & developing/delivering risk insights to Senior Leadership

Demonstrate ability to efficiently hire, mentor, train and develop a team in all aspects of their role.

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.