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. As part of Team Amex, you'll experience this 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.

How will you make an impact in this role?

You will work in a highly dynamic and exciting environment and will have the opportunity to shape strategies and policies for American Express products and services. You will play an influential role working closely with colleagues in other Risk Management teams, EDA, Marketing, Finance, Servicing, Legal, Compliance, Banking, and Technology to create world-class strategies and capabilities.

The key responsibilities include:

Develop and continuously enhance policies, processes, and controls for mitigating credit risk exposure and preventing fraud Conduct quantitative analysis to decide the underwriting criteria for a Small business application Identify, evaluate, and integrate new data sources and capabilities into decision-making Analyze large volumes of data to identify emerging credit rends and uncover new fraud patterns Partner with other teams across the company to standardize methodologies Maintain and monitor the credit quality and the impact of different underwriting strategies Maintain an effective control environment and respond to operational breakdowns with discipline Effectively communicates potential shifts that could alter expectations of the provision and P&L outcomes in a clear, concise, and transparent manner to leaders of the GCS business unit and the rest of the CFR community Drive operational excellence and ensure full compliance with regulatory requirements

Minimum Qualifications

Bachelor's degree (e.g., MS, PhD, or MBA) in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science Blend of analytical skills, process expertise, project management, and relationship-building skills Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language Thought leadership and solution-oriented mindset Ability to think strategically and apply both quantitative methods and business insights to drive results Ability to build strong relationships in a cross-functional environment Clear, effective written and oral communication skills

Preferred Qualifications

Advanced degree is preferred but not required given a suitable combination of formal education and work experience Credit/Fraud risk management experience and understanding of credit lifecycle is preferred

Salary Range: $80,000.00 to $155,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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  6% Company Match on retirement savings plan  Free financial coaching and financial well-being support  Comprehensive medical, dental, vision, life insurance, and disability benefits  Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need  20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy  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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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