Job Description

This role is for Sr Manager in Commercial Portfolio Analytics focused on US Small Business Card Portfolio. The core responsibilities of the candidate will be the tracking and monitoring of key portfolio credit risk metrics, proactively identifying emerging risk, root cause analysis to decode risky trends and partnering with functional strategy owners to influence risk strategy.

Responsibilities

Insight Driven Complex AnalyticsLead US SBS portfolio analytics to track performance, identify key risk indicators and pre-emptive risk identification for Commercial CCOPerform deep dives on trends, translate complex data into actionable business insights that inform Senior leadership about emerging risk trendsLead development of executive-level risk reporting, governance materials and regulatory asks with utmost attention to detail Unstructured Problem SolvingPartnering with Functional strategy to drive meaningful deep dives due to strategy changes for US SBS portfolio and assess its impact to portfolio KPIs . Manage the Multiple Regulatory deliverables like Risk Classification, CFRC in line with 2 LOD guidelines, maintaining strong partnership across 2nd LOD, Consumer & International portfolio teams. Build frameworks for RCA of breach/buffers of Key KPIs to share with regulators.Unlock opportunities for leveraging secondary data sources/tools for impact to delinquencies and write offs Market /Competitive IntelligenceMaintain deep expertise in sources of competitive /market data sources --D&B, Aacer, Beckett & Lee, Experian ONS, Argus, Sandbox, US courts etc.Leverage external benchmarking and emerging trends to anticipate opportunities and inform leadership Strong Collaboration/AgilityPartner with Credit Risk Functional teams, Consumer, Finance, RPDS, Blue light teams, GRC, CCAR etc.Demonstrate adaptability to new tools /process like Power BI/GenAI preferred to enhance forward-looking risk assessment capabilities

Qualifications

4+ years of experience in Commercial or Credit risk managementGraduate degree in a quantitative or business discipline (Economics, Statistics, Engineering, MBA) strongly preferredRigorous and analytical approach to problem-solving, decision-making, and prioritization collaboration across teamsStrong strategic problem solving and ability to translate analytics into business impactDemonstrate Learning agility, make decisions quickly with highest level of integrity, show courage to challenge status quoProven track record in supporting high paced, quick turnaround complex analysis & developing/delivering risk insights to Senior LeadershipDemonstrate ability to efficiently hire, mentor, train and develop a team in all aspects of their role.

About Us

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.

About the Team

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.