At American Express, our culture is built on a 175-year history of innovation, shared <a target="_blank" href="https://www.americanexpress.com/en-us/company/who-we-are/">values</a> and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, youll 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?American Express Global Commercial Services (GCS) is a leading issuer and provider of Commercial products and services. GCS provides a suite of payment and lending products, solutions for travel and everyday spending, cross border payments, global currency solutions, and business financing. The Commercial Credit Risk team in the Credit &amp; Fraud Risk (CFR) organization is responsible for powering the GCS business by defining the GCS Risk strategy while delivering a superior customer experience.This position is focused on Small Business New Accounts Underwriting and brings an exciting opportunity to define the underwriting policies, onboarding process for small businesses and cross-selling to existing customers. Within the broader credit risk organization, this team supports the success of the Global Commercial Services business unit through innovative solutions that help enable profitable growth via acquisition while maintaining robust low tenure credit performance. The role is highly visible and will require strong collaboration across a variety of functions, including but not limited to Risk, Product, Marketing, Decision Science, Compliance, etc. to develop best in class strategies and capabilities to support our customers. How will you make an impact in this role?<ul><li>Be responsible for new accounts decisions for US Commercial Small Business Products from a risk perspective - this includes analytics, strategy, and capabilities, across new accounts and existing customers.</li><li>Drive Core Underwriting risk strategies to determine approval and decline decisions for customer applications leveraging core risk infrastructure include risk models, lending capabilities and bureau information.</li><li>Partner with marketing partners and targeting teams to harmonize underwriting and targeting.</li><li>Work with and influence Product, Marketing, and Finance teams within the GCS organization and broader credit and fraud risk organization to design and implement critical initiatives that enable prudent and profitable growth while controlling for through-the-cycle volatility.</li><li>Ensure control, compliance, and operational risk mitigation in all processes and design for a streamlined user experience across customer touch points.</li></ul> Minimum Qualifications:<ul><li>Bachelors degree plus 2 yrs work experience or Master’s degree in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science</li><li>Blend of analytical skills, process expertise, project management, and relationship-building skills</li><li>Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language</li><li>Ability to think strategically and apply both quantitative methods and business insights to drive results</li><li>Clear, effective written and oral communication skills</li></ul> Preferred Qualifications:<ul><li>Advanced degree is preferred but not required given a suitable combination of formal education and work experience</li><li>Credit/Fraud risk management experience and understanding of credit lifecycle is preferred</li></ul>  Salary Range: $65,500.00 to $102,500.00 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:<ul><li>Competitive base salaries </li><li>Bonus incentives </li><li>6% Company Match on retirement savings plan </li><li>Free financial coaching and financial well-being support </li><li>Comprehensive medical, dental, vision, life insurance, and disability benefits </li><li>Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need </li><li>20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy </li><li>Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) </li><li>Free and confidential counseling support through our Healthy Minds program </li><li>Career development and training opportunities</li></ul> For a full list of Team Amex benefits, visit our <a target="_blank" href="https://www.americanexpress.com/en-us/colleagues/benefits">Colleague Benefits Site</a>. 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. Thats 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. US Job Seekers - Click to view the “<a target="_blank" href="https://www.eeoc.gov/poster">Know Your Rights</a>” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: <a target="_blank" href="https://www.eeoc.gov/poster">https://www.eeoc.gov/poster</a>Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

American Express

Senior Analyst - Risk Management

American Express

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