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.

Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on #TeamAmex.

About Credit & Fraud Risk Finance

Credit & Fraud Risk (CFR) Finance team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights and deep analytics. The key objective is to drive prudent financial decisions and support credit-risk strategies while ensuring adherence to governance and controls. This position will be part of a highly talented team with strong intellectual curiosity.

About The Director, Credit Reserve and Macroeconomic Analytics

This position will deliver deep analytics, insights and governance related to credit reserves (CECL and IFRS9). This role will play an important role in generating insights from US and international macroeconomic trends, leading the evolution of credit reserve models and calculating credit loss reserves for international markets. To succeed in the role, the incumbent needs to have a very good blend of analytical skills, risk modeling experience, project management, relationship building, and people management skills.

How will you make an Impact in this role ?

• Generate insights through deep analytics on US and international macroeconomic trends

• Lead results and analysis for CECL and IFRS9 credit reserves for international markets

• Identify opportunity areas and lead efforts for PD, EAD, LGD models, process and controls improvement

• Own the quarterly CECL and IFRS9 credit reserve calculations, analysis and governance, including assessing qualitative reserves and reviewing key model assumptions, and ensure accuracy, completeness and timeliness of financial data and results for reporting

• Partners across the organization – Risk modeling team, Technology, Second Line, Controllership

Minimum Qualifications:

• Advanced degree in accounting, science, or engineering with 6 years of experience

• Deep Experience in advanced analytics and building loss forecasting models, preferably for CECL/IFRS9

• Significant hands-on experience managing/leading projects using large amounts of data and application of advanced predictive analytics

• Advanced excel modeling skills and high level of proficiency in PowerPoint are required

• Proficiency in SQL, Python, or Hive

• Leadership – Act & lead with courage, build relationships (especially with senior leaders), make decisions quickly & influence change. Do you drive results?

• Strategic & Analytical – Ability to be a thought partner to help maximize the team’s goals; demonstration of analytical prowess exhibiting a positive change in results

• Agile Mindset – Positive, can-do attitude, adaptable to change, and highly motivated self-starter

• Organized Approach – Ability to manage multiple tasks and projects simultaneously, with great follow-up and attention to detail, and work well in a fast paced and dynamic environment

Preferred Qualifications:

• Power BI, Tableau or other visualization tools experience

• Experience with establishing and owning governance and controls around business processes

Qualifications

Salary Range: $150,000.00 to $225,000.00 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.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

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.

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.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

Job: Data Mgmt and Analytics

Primary Location: US-New York-New York

Other Locations: US-New York

Schedule Full-time

Req ID: 24015943