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?

The Enterprise Data Strategy team within Credit & Fraud Risk evaluates and rationalizes Credit bureau and other external data to address business problem statement, improve risk decisions and customer experiences across the credit and fraud lifecycles. The team also serves as a critical channel for the exploration of new data opportunities for the firm.

The Senior Analyst will be part of the US Commercial Data Strategy & Analytics team. This team is dedicated to optimizing the value of existing commercial data by continuous data rationalization and explore new/orthogonal data products to address blind spots from traditional credit bureau data that will help uplift credit decisions. The candidate will lead collaboration with our strategic risk partners, legal, compliance and help deepen in-house data expertise on existing commercial data assets, support new data product development in partnership with decision science teams, and enhance our data capabilities to accelerate growth and controls.

Responsibilities:

Functional

Support US commercial data strategy across the customer lifecycle through structured and risk-based principles. Analyze large sets of data to quantify opportunities to increase coverage, improve quality, bring in incremental intelligence and improve risk discrimination, and influence strategy and models use cases to maximize return on data investments. Develop innovative and impactful data driven insights and analytics through our strategic partnerships to drive business growth and credit & fraud risk management excellence. Build & deliver data driven insights to improve return on investment, manage operational risk in third party relationship, in data integration and in end-use of data. Support customer/stakeholder escalations & risk events through partnering with internal & external partners.

Leadership

Lead with an external perspective, able to offer an understanding of data innovation in the marketplace & influence & shape data strategies. Ability to navigate multi-function & stakeholders to gather diverse information & use it to derive medium to long term strategies. Collaborate with colleagues across CFR Data Strategy, Product Owners, Compliance, CFR Commercial Risk and Decisions Science to successfully design, implement, monitor, and govern strategies related to external data.

Required qualifications:

Bachelor’s degree or higher education with concentration in a quantitative field or business management required. Strong technical skills to perform data evaluation, analytics, and matrices tracking/reporting. Knowledge of commercial underwriting or credit data ecosystem preferred. Adaptable people skills, high energy, and a proven team-first mentality. Adept at statistical tools including Python, Hive and, familiar with big data and cloud environments, Advanced Excel, PowerPoint knowledge required. Adept at assimilation of technical requirements on product, process & contract to inform problem statements, project plan, key success metric and dependencies, executive communication. Demonstrated ability to work independently and across a matrixed organization to deliver solutions quickly. Results driven mindset with a proven history to prioritize and deliver against multiple priorities in a fast-paced, dynamic environment. Excellent communication and influencing skills with an ability to translate data and analytics into business insights and recommendations

Salary Range: $55,000.00 to $105,000.00 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 United States is required as the company will not pursue visa sponsorship for these positions.