JOB DESCRIPTION

Credit & Fraud Risk Finance team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights through deep analytics. The key objective is to drive prudent financial decisions and support credit-risk strategies while ensuring adherence to governance and controls.

The CFR Financial Insights Team is a project-based team committed to providing insightful analytics and informed recommendations to drive profitable growth, with a strong focus on advanced analytics, automation, and innovation.

How will you make an impact in this role?

This Manager role sits within Risk Finance and partners closely with Credit & Fraud Risk, Finance LFOs, EFP&A, Investor Relations, Marketing, Investment Optimization, and Technology to support enterprise decision-making, planning, and forecasting.

The role combines deep analytical expertise, Generative AI-driven innovation, and hands-on technical development to modernize how insights and forecasts are produced.

You will lead complex, cross-functional analytics that link risk actions to customer behavior, financial outcomes, and loss metrics, while building scalable analytical solutions and driving innovation in Risk Finance.

You’ll influence and inform cross-enterprise strategic decision-making by performing nuanced analytics on card member and segment behavior as well as peer and industry trends, always keeping in mind profitability expectations and impact to losses.

RESPONSIBILITIES

Advanced Analytics & Decision Support

• Provide credit and fraud-related analytical support that identifies portfolio trends, customer-level behaviors, and actionable insights to inform strategic decisions across the Credit & Fraud Risk Management organization.
• Perform nuanced analytics to evaluate initiatives spanning multiple businesses, including cost/benefit analyses that quantify revenue uplift, loss reduction, or risk mitigation.
• Develop and present clear, data-driven recommendations to senior Risk and Finance leadership, translating complex analytical findings into business implications.
• Drive forward-looking insights that inform planning, forecasting, and assumption-setting within Risk Finance and broader Corporate Planning.

Generative AI & Advanced Analytics Innovation

• Identify and own Generative AI use cases across Risk Finance to enhance insight generation, reporting, and decision support.
• Design and implement GenAI-enabled analytics workflows that improve efficiency, scalability, and analytical capabilities.
• Partner with Data Science and Technology teams to develop and scale innovative solutions, ensuring outputs are actionable, interpretable, and aligned to business needs.
• Apply advanced analytical approaches such as segmentation, scenario analysis, anomaly detection, and test-and-learn frameworks to solve complex business problems.

Automation & Analytical Modernization

• Develop and automate recurring analytical and reporting deliverables using Python and SQL, improving efficiency, accuracy, and scalability.
• Build reusable analytical frameworks, pipelines, and tools including scenario tools, automated reporting, and standardized analytics outputs.
• Leverage platforms such as Lumi and Power BI to design interactive dashboards, visualizations, and scalable reporting solutions.
• Proactively identify opportunities to simplify processes, reduce manual effort, and modernize analytical workflows.

Cross-Functional Partnership & Impact

• Collaborate with Finance, Risk, Data Science, and Technology partners to deliver integrated analytical solutions.
• Influence stakeholders across levels by providing clear analytical narratives, strong business context, and well-structured recommendations.
• Contribute to a collaborative team culture by sharing knowledge and continuously improving how the team delivers insights.

QUALIFICATIONS

Minimum Qualifications:

• 4+ years of relevant experience in finance, risk analytics, data science, or related analytical roles.
• BS/MS in Finance, Mathematics, Statistics, Computer Science, or a related quantitative field.
• Strong analytical skills with hands-on experience working with large, complex datasets.
• Proficiency in SQL and Python for data extraction, analysis, and automation.
• Experience applying quantitative techniques such as segmentation, regression, and scenario analysis to generate business insights.
• Demonstrated ability to translate complex analytical concepts into clear business insights.
• Excellent written and verbal communication skills, with experience presenting to senior management.
• Strong problem-solving skills and ability to operate in a fast-paced, ambiguous environment.

Preferred Qualifications:

• Experience developing or applying Generative AI use cases in analytics, reporting, or workflow automation.
• Familiarity with Lumi or large-scale data environments.
• Experience with Power BI or other data visualization tools.
• Background in financial analytics, credit risk, or forecasting.
• Proven track record of driving automation and analytical modernization.
• Familiarity with financial planning tools such as IBM TM1 / PAW or similar platforms.

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.

ABOUT US

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

ABOUT THE 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
• 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 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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The below 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.