Director-Global Commercial Credit Risk Oversight

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.

The Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for identifying and handling risk across all processes and geographies at American Express.

The incumbent will lead a team of quantitative risk professionals to identify, assess, measure, and lead credit risk. The incumbent will also be responsible for conducting independent risk assessments, providing effective challenge to first line teams, and ensuring that significant risks are promptly identified.

The incumbent will report to the VP, Commercial Credit Risk Oversight.

How will you make an impact in this role?

• Provide effective challenge through independent reviews of critical commercial credit risk strategies/ processes
• Conduct quantitative analysis to drive credit risk insights and recommendations for first line teams
• Conduct an annual concentration analysis of the commercial portfolios and recommend actions to mitigate risk
• Lead the annual review of largest AXP clients and set escalation thresholds for exposure and Economic Capital
• Monitoring and continued enhancement of the commercial credit risk appetite framework
• Identify commercial credit risk metrics (e.g. KRIs and KPIs) to continuously monitor and oversee risk
• Develop requirements to support next generation risk capabilities (e.g. Smart Monitoring)
• Escalate emerging risks by tracking macroeconomic and markets trends

Minimum Qualifications

• Leadership experience in risk management or a similar role;
• Credit risk management experience is required;
• Strong business acumen with a risk-reward control perspective;
• Experience in data-driven analytics, including analyzing structured and unstructured data;
• Familiarity with applicable regulatory requirements;
• Demonstrated ability to successfully manage multiple priorities under pressure;
• Advanced degree or equivalent experience in quantitative or a related field

• Proven leader who can build, inspire, and coach a team with a passion for the business;
• Excellent collaboration and influence management skills with the ability to build productive 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;
• Ability to communicate oversight findings to credit risk peers, business partners, and senior executives;
• Strong verbal and written communication skills.

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.

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.

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.