Manager-Risk Management

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, infrastructure and advanced analytical capabilities to enable effective risk decisions and deliver superior customer experiences. The said role is in the India Chief Credit Officer’s team, which owns the credit loss provisions for the corporate portfolio in India. The position is to lead the Customer Management function within the Corporate CCO team and would entail partnering with the CFR-COE teams and external vendors to develop, test and deploy superior credit risk capabilities and strategies. The role requires a close collaboration with corporate Business and Operations teams to drive growth in the market and maintain customer experience, all while partnering with legal, compliance and second line teams to ensure regulatory compliance at all times

Qualifications

Strong hands-on SME expertise in TRIAD, Falcon and FAS is mandatory, including strategy configuration, rule writing, testing and implementation.

Proven experience across Customer Management functions — Authorization, CASE, RLA, Collections

In-depth hands-on expertise & understanding of Fiserv LUMI tables and variables will be necessary.

Prior experience with commercial portfolios and understanding of industry dynamics

Ability to clearly differentiate credit and CBO strategies, with a strong understanding of their respective decision logic, triggers and risk implications.

Demonstrated expertise in credit risk strategy development, collections decisioning, abuse management and customer experience optimization.

Strong understanding of Net Loss Provisioning (NLP) and the impact of customer management strategies on credit losses, portfolio risk and business performance.

Strong analytical and troubleshooting capabilities, with the ability to independently identify execution issues, perform root-cause analysis and drive effective remediation.

Experience in strategy testing, production monitoring, platform enhancements and system migrations.

Strong stakeholder management, project execution and structured problem-solving skills, with the ability to collaborate across multiple functions.

An advanced degree in Business Administration, Engineering, Statistics, Economics or a related quantitative discipline, or equivalent relevant experience, is preferred.

Knowledge of SQL, LUMI , Python, Hive or equivalent analytical tools is a must

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.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally

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.