Director - Credit Risk Analytics

At American Express, our culture is built on a 175-year history of innovation, shared 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?

American Express’ Third Line of Defense (3LOD), has established a new Credit Risk Review function which is responsible for providing independent oversight and assurance to key Consumer & Commercial credit risk portfolios. The team aims to strengthen our risk management framework and ensure that we continue to uphold the highest standards of credit risk management across the enterprise.

This Credit Risk Review function would be supported by a strong Data Analytics team to enable data-driven and technology-led assurance. We are looking for a dynamic & tenured leader to lead & oversee this Data Analytics team within Credit Risk Review on the 3LOD. This individual will play a key role in enabling deeper, more forward looking reviews through scalable analytics, thematic insights & strong stakeholder management.

Key Responsibilities

Lead a team of ~10 colleagues (including managers and analysts) to deliver analytics solutions that enable and enhance credit risk reviews across portfolios

Drive portfolio level analytics to assess credit quality, risk concentrations, underwriting trends & alignment with risk frameworks

Enable thematic reviews and early risk identification by applying analytical techniques to structured & unstructured data

Design & oversee development of dashboards, visualizations, and automated tools to support review execution & reporting including executive level

Collaborate closely with credit reviewers, and cross functional stakeholders to frame analytic approaches, interpret results & co-develop narratives

Ensure analytics are well documented, repeatable and governed in line with internal standards and governance protocols

Encourage & support experimentation and innovation in applying AI / ML, including Natural language Processing and Gen AI to automate delivery & uncover deeper insights

Contribute to building a team culture of learning, experimentation, & analytical excellence

Champion career growth, skill development and engagement for team members through targeted coaching & training initiatives

Qualifications

8+ years’ experience in experience in credit risk, data analytics, internal audit, or related fields; commercial and / or retail credit exposure preferred

Proven track record in leading & inspiriting diverse, multi-level teams (including managers) to deliver high impact results

Experience in portfolio analytics, including segmentation, risk concentration analysis, and forward looking risk indicators

Ability to shape and execute multi–year analytics roadmaps, aligned to organizational risk strategy

Proven influence at senior stakeholder levels to secure alignment, resources, and cross functional collaboration

Strong technical skills in Data analytics, coding & automation (e.g., SQL, Hive, Big Query, Python)

Working knowledge of Machine learning techniques including Natural Language Processing and Gen AI applications

Hands on experience with Data Visualization tools and Dashboarding (Tableau, Power BI) with a focus on compelling, audience-oriented storytelling

Effective storytelling and ability to translate complex data outputs into clear, actionable insights tailored to credit risk reviewers and non-technical audiences

Experience applying analytics to risk assessment, issue identification, or internal reviews in a regulated environment

Familiarity with working in a control-oriented environment with clear documentation and governance expectations

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
• 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 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.

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