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?

The Credit & Fraud Risk Finance team delivers fact-based, decision-driven, and high-impact Net Loss Provision forecasts along with credit-risk insights and deep analytics. The team’s core objective is to enable prudent financial decisions, support credit-risk strategies, and ensure strong governance and control adherence. This role operates within a highly talented group characterized by intellectual curiosity, analytical rigor, and a commitment to excellence.

The Manager for U.S. Card Net Loss Provision will play a critical role in delivering reserve and provision forecasts, as well as providing deep insights across the U.S. Consumer and Small Business portfolios. The manager will collaborate closely across Finance and Risk, partnering with key stakeholders to meet business objectives, advance strategic priorities, and strengthen team culture. This role is responsible for driving accurate, comprehensive, and reliable estimates for Net Loss Provisions for the U.S. Card portfolio. It also offers opportunities to learn and leverage advanced data tools and technologies while exploring a variety of pathways to grow and expand one’s career.

The ideal candidate demonstrates strong quantitative and financial reasoning, excels in clear and compelling communication, possesses strong organizational skills, and is comfortable navigating ambiguity in a dynamic, fast-paced environment.

Responsibilities:

• Leverage advanced quantitative skills to support forecasting, results analysis, and U.S. Reserves and Loss Provision.
• Use statistical, econometric, and other advanced modeling techniques to develop, enhance, and validate forecasting models, including data selection, performance monitoring, and governance.
• Perform corporate planning and financial planning & analysis to inform key internal and external communications and strategic decisions.
• Update and maintain model documentation for internal use and for external regulatory review.
• Conduct sensitivity analysis and scenario planning to assess portfolio risks, potential outcomes, and performance under varying economic conditions.
• Partner with cross-functional teams-including Controllership, Corporate Planning, and Risk-to align assumptions, forecasts, and strategic insights.
• Perform deep dives into credit metrics and emerging trends to identify risks, opportunities, inflection points, and key drivers of portfolio performance.
• Communicate analytical results, insights, and recommendations to peers and senior leadership across Finance and Risk, translating complex quantitative concepts into clear narratives.
• Ability to translate complex analytical concepts into clear, actionable insights for diverse audiences.
• Demonstrated thought leadership and creativity in solving complex business problems.

Minimum Qualifications:

• Bachelor’s degree or higher in a quantitative field such as mathematics, statistics, data science, or engineering.
• Strong understanding of statistical and predictive modeling, data extraction, and analytical techniques using complex financial databases.
• Hands-on experience developing scalable models using tools such as Python, R, and Excel, with data visualization proficiency in Power BI or Tableau.

Preferred Qualifications:

• Coding skills in Python, R, and VBA preferred.
• Advanced SQL skills, including experience with Postgres, Hive, and BigQuery.

Salary Range: $103,750.00 to $174,750.00 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:

• 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 U.S. is required as the company will not pursue visa sponsorship for these positions.