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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.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

How will you make an impact in this role?

The Enterprise Data Strategy team, in Credit and Fraud Risk Management (CFR) is responsible for optimizing risk decisions through the lifecycle by identifying, testing and integrating internal data with external data assets. The team manages data, strategy, and relationships with key third party data providers to support risk products in new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.

The Director will lead our newly expanded US Commercial Data Strategy and Analytics team, composed of skilled analysts/sr. analysts and managers/sr. managers. This team is dedicated to optimizing the value of existing data and to define the roadmap for US commercial data that will help uplift marketing strategies, underwriting process, and credit risk management decisions for the US commercial portfolios. The remit of the role spans across the commercial lending landscape from small and medium enterprises to multinational companies. The candidate will drive data innovation in collaboration with our strategic partners, help deepen in-house expertise on commercial bureau data assets, lead new behavioral data product development in partnership with decision science teams, and enhance our data capabilities to accelerate growth in US commercial space, while enhancing our data capabilities to accelerate growth and controls. In addition, the director will also lead analytics vertical working across consumer & commercial data needs.

Responsibilities include:

• Drive US commercial data strategy across the customer lifecycle through structured and risk-based principles

• Manage third party relationships and lead external contract negotiations

• Develop metrics and MIS to deliver strong controls and insights available from the data

• Explore traditional and alternative commercial credit data/services

• Work closely with Risk Strategy, Modeling, Capabilities, Compliance, Operations, and Business partners to manage and govern third party data strategies

• Lead complex analytical projects which includes data mining, modeling, research, and capabilities development to support change management, operational risk events, and strategic decisions

• Communicate effectively and appropriately to all relevant stakeholders including business unit presidents, senior management and other colleagues, customers, third-party and affiliate service providers, industry thought leaders, and regulators, among others

• Design and implement processes, workflows, and systems in pursuit of increased efficiency and effectiveness as well as compliance with all laws, rules, and regulations

• Have consultative skills able to work in a dynamic cross functional environment

• Be able to handle urgent escalations and time sensitive risk events

• Attract and retain talent through setting and communicating goals, measuring accomplishments, holding team members accountable, delegating responsibilities as appropriate, and providing developmental feedback and coaching

• Lead by example and embody a culture of compliance consistent with the American Express Leadership Model, including managing diverse relationships and acting with honor and character

Qualification

• Advanced degree in a quantitative field or equivalent work experience and an understanding of credit data sources

• 8 years of strategy, information management, credit risk or related work experience

• Deep understanding of marketplace innovation on data, digitization of content, and rapid transformation of 3rd party data assets

• Working knowledge of commercial payments, commercial lending, risk and financial management platforms is desired

• Strong technical skills to direct data evaluation, analytics, and matrices tracking/reporting

• Knowledge of Python, SQL, Spark, SAS, and familiar with big data and cloud environments

• Superior process, project and relationship management skills

• Ability to multitask, prioritize and work under tight deadlines

• Exceptional written and verbal communication skills, including the ability to communicate strategic vision and goals, and presenting in senior forums

Qualifications

Salary Range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) 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 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

• 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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Job: Risk

Primary Location: US-New York-New York

Schedule Full-time

Req ID: 25004642