Manager-Risk Management

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. As part of Team Amex, you'll 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?

Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.

Functional Description:
The India Consumer CFR team owns the credit loss provision for the consumer portfolio in India. The position is to lead the Customer Management function within the Consumer CCO team, and would entail partnering with the CFR CoE teams to develop superior credit risk capabilities and strategies. The role requires a close collaboration with Business and Operations teams to drive growth in the market and maintain customer experience, all while partnering with legal, compliance and second line teams to ensure regulatory compliance at all times. Additionally, the role with also require to partner with external vendors to develop and implement the next generation of credit risk capabilities in the India market.

Responsibilities:

• Managing credit loss provision for the Consumer Portfolio in India 
• Driving profitable business growth without adverse surprises while providing an outstanding customer experience for consumer customers in India.
• Support in delivering Project Fusion for India market
• Partner with Fusion teams to ensure efficient development and deployment of risk strategies in POA vendor systems with minimal impact to credit risk levels in the portfolio
• Interacting and collaborating with partners across multiple lines of business including marketing, finance, compliance, operations and colleagues in risk centers of excellence to develop, implement and optimise the strategy for risk management processes including deployment of new capabilities
• Providing strong thought and relationship leadership while working with multiple business partners
• Maintaining close liaison with market risk colleagues across international risk and partner with them to leverage and translate best practices

Skills & Qualifications

• Strong quantitative, analytical, project management and structured problem-solving skills.
• Ability and willingness to work in a fast-paced environment and on aggressive timelines.
• Indepth knowledge of Triad, Vision Plus , JOCATA platforms will be preferred. 
• Effective team player and be able to manage multiple projects.
• Experience in analyzing data, drawing inferences, and making recommendations.
• Strong relationship management and negotiation skills with an ability to effectively collaborate with multiple stakeholders
• Thorough understanding of credit card business economics.
• Candour in communication 
• An advanced quantitative degree in business administration, engineering, statistics, or economics and/or equivalent work experience will be preferred.
• Developing and maintaining strong working relationships with the credit bureaus, fintechs and other vendors
• Ensuring compliance with all regulatory requirements through robust risk policies.
• Continuously strive for excellence and lead with an external perspective
• Nurture and develop a high performing 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.