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.

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.

How will you make an impact in this role?

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.

This Director position is a critical hands-on leadership role in the US Commercial Capacity team that will be responsible for Commercial Limits Underwriting strategies and capabilities. The incumbent will play an influential role working closely with partners in Product, Sales, RPDS & GSN to create and drive strategies to grow the portfolio through transformational ideas and new capabilities that outclass competitors and provide world-class customer experience.

Key Responsibilities:

• Incumbent will be responsible for managing the limit assignment methodology for the US GCS portfolios - this includes the analytics, strategy and capabilities
• Partner closely with the New-Accounts risk team to launch strategies to improve customer experience and increase application volumes
• Partner with Product and RPDS to launch new capabilities like Codat and recurring underwriting framework
• Work with the Product, Servicing, and Sales teams within the GCS organization and broader CFR organization to design and implement strategic initiatives that enable prudent and profitable growth while controlling for through-the-cycle volatility.
• Drive deep-dive analytics and partner with the Decision Science team to enhance economic logic that supports core risk management decisions.
• Lead, engage, and inspire a large team of high performing risk management professionals

Minimum Qualifications:

• 5+ years of experience in relevant credit risk management expertise
• Advanced degree in statistics, econometrics, operations research, mathematics, data science, engineering, business management or a related quantitative field of study
• Strategic thinking, with a focus on innovation
• Deep knowledge of commercial business and AXP risk capabilities
• Deep knowledge on financial statements and key financial ratios
• Strong analytical skills and an innovative approach to solving both practical and theoretical business problems
• Intellectual curiosity, adaptability in a dynamic environment, and an ability to re-engineer long-standing processes and infrastructure
• Ability to build strong relationships, operate within large cross-functional teams, and influence business partners to drive change

Salary Range: $123,000.00 to $215,250.00 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 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
• 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. 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. 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.

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Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.