Location
Gurgaon | India
Job description
Job Description
You Lead the Way. We've Got Your Back.
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we're supporting our customers' financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what's possible - and we're proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. 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.
Join Team Amex and let's lead the way together.
The Credit Risk Oversight organization within Global Risk & Compliance (GRC) is responsible for identifying and managing credit risk across all processes and geographies at American Express.
This incumbent will lead a team of risk professionals who are responsible to identify, assess, measure, and manage credit risk. The team is responsible for conducting independent risk assessment, providing effective challenge to first line teams, and ensuring that significant risks are promptly identified.
The incumbent will report to VP, Global Credit Risk Oversight.
Key Responsibilities
- Conduct quantitative analysis on risk management data to drive insights and recommendations for first line teams
- Conduct independent reviews of credit risk processes and provide effective challenge to first line teams
- Provide effective oversight on Non-Model tools and frameworks within credit risk organization
- Analyze trends in portfolios and conduct deep dive analysis to understand key drivers
- Identify credit risk metrics (e.g. KRIs and KPIs) to continuously monitor and oversee risk
- Identify key strategic and/or regulatory issues for resolution with senior management
- Develop requirements to support the next generation risk capabilities (e.g. Smart Monitoring)
- Produce credit risk dashboards for AXP Risk Committees
Experience and Background
- Credit risk management experience
- Strong analytical skills and business acumen with a risk-reward control perspective
- Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python)
- Demonstrates the courage to challenge the status quo
- Demonstrates the ability to successfully manage multiple priorities under pressure
- Proven ability to collaborate with colleagues across the Company
- Data Science and Machine Learning experience preferred
- Advanced degree in quantitative field is preferred
Leadership Skills
- Developing leader who can build, encourage, and mentor a team with a passion for the business
- Exhibits strong collaboration and influential leadership skills with the ability to build positive relationships across teams and levels of seniority
- Self-confident with a strong sense of integrity, and the ability and willingness to challenge and be challenged
- Proactive in identifying issues, delivering and escalating key findings, and advising on recommended solutions to correct issues or mitigate risks
- Strong verbal and written communication skills, and ability to clearly communicate oversight findings to credit risk peers, business partners, and senior leaders.
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
- 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.
Job tags
Salary
