Manager - Risk Management

About This Role

The Manager - Risk Management will develop and drive new accounts strategies for the Blueprint Line of Credit, focusing on underwriting, customer acquisition, and retention. This role involves developing credit risk management solutions through innovative strategies and collaborating with cross-functional partners to ensure prudent and profitable growth.

Responsibilities

• Develop credit risk management solutions for Line of Credit (LOC) product in support of underwriting, customer acquisition and retention strategies
• Develop core risk management rules and policies through innovative solutions in collaboration with internal and external partners and leveraging internal and external information
• Closely collaborate with partners and stakeholders to drive results and grow the portfolio, and build strong relationships and provide proactive and thoughtful communications to stakeholders and partner teams
• Closely partner with teams across Decision Science, Product, Marketing, RPDS, Compliance and Finance to develop strategies that enable prudent and profitable growth, while controlling for through-the-cycle volatility
• Enhance risk decisions by incorporating new information, new techniques, and changing factors
• Provide independent decisions by combining data driven facts and intuition on case by case basis for new account scenarios
• Analyze structured and unstructured data, and translate that into actionable business insights and strategies
• Identify and evaluate new data sources that could add incremental profitability to LOC and to other American Express's products/services

Requirements

• Blend of analytical skills, process expertise, project management, and relationship-building skills
• Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language
• Thought leadership and solution-oriented mindset
• Ability to think strategically and apply both quantitative methods and business insights to drive results
• Ability to build strong relationships in a cross-functional environment
• Clear, effective written and oral communication skills

Qualifications

• Advanced degree (e.g., MS, PhD, or MBA) in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science is preferred
• Credit/Fraud risk management experience and understanding of credit lifecycle is preferred

Nice to Have

• Credit/Fraud risk management experience and understanding of credit lifecycle

Skills

* Required skills

Benefits