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Description

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.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you are finding new ways to enable a customer to start a new business or looking for opportunities to minimize credit losses, you can work with one of the most valuable datasets 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 path. Find your place in credit risk management on #TeamAmex.

How will you make an impact in this role?

Responsible for monitoring Consumer & Small Business portfolio credit trends, conducting high-balance case reviews, assessing effectiveness of pre- vs. post-cancellation collections strategies, and partnering with Credit Operations to strengthen processes and procedures

• Routinely access a variety of large-scale databases and reporting platforms to analyze portfolio performance trends and/or individual Card Member cases and translate the information into actionable strategy with the objective of improving the customer experience while delivering on our financial commitments, with specific focus on pre- and post-cancellation collections

• Incorporate local market dynamics, macroeconomic and industry trends, and new developments to enhance global processes, models, and strategies

• Collaborate closely with Credit & Fraud Risk (CFR) Centers of Excellence to optimize credit decisions, strengthen credit policies, and enhance risk controls and capabilities

• Regularly monitor credit risk processes to ensure Operational Excellence, with particular focus on post-implementation validations

• Work closely with Controllership, Treasury, 2 nd Line, and 3 rd Line to support and strengthen Amex Bank Of Canada corporate governance policies, processes, and committees

Qualifications

• Undergraduate degree in engineering, statistics, mathematics, econometrics, or a related field

• Prior work experience in risk management, decision science, or data analytics

• Strong programming skills and ability to structure complex analysis leveraging multiple large data sources

• Thought leadership, problem-solving, and analytical skills with the ability to translate data into insights and actionable strategies

• Self-motivated, results-driven, and intellectually curious

• Strong project-management skills; proven ability to manage multiple projects concurrently

• Clear, effective written and oral communications skills

• Proven ability to build relationships and influence without direct authority

Qualifications

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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 committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”). If you have a disability and need accommodation, please speak with the Recruiter for more information.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

Job: Risk

Primary Location: Canada-Ontario-Toronto

Schedule Full-time

Req ID: 24016695