Analyst-Risk Management

hackajob is collaborating with American Express to connect them with exceptional tech professionals for this role.

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The Enterprise Data Strategy team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team manages strategic global relationships and data strategy for key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.

The incumbent would be part of the Enterprise Data Strategy team based in Gurgaon and reporting into Sr. Manager - International Commercial Data Strategy. The incumbent will be responsible for conducting detailed analysis on third-party vendor data to drive bureau / alternate data strategy, manage strategic Commercial data relationships and will partner closely with modeling, strategy, and risk product teams to drive innovative solutions and solve challenges.

Analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial.

• Drive Commercial data strategy across the customer lifecycle through structured and risk-based principles.
• Explore traditional and alternative Commercial credit data / services.
• Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions.
• Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including new third-party data vendor onboarding and existing products.
• Ensuring compliance with all regulatory requirements through robust risk policies
• Periodically review cases to identify modeling / strategy opportunities and improve customer experience.
• Evaluate new external data sources like Open banking, financials, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models / strategies.
• Closely partner with external data vendors, internal capabilities, and internal Commercial risk teams to ingest new data sources for models / strategies.
• Drive profitability through advanced analytical techniques.
• Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
• Lead with an external perspective, challenge the status quo and bring continuous innovation to our existing offerings.
• Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
• Should possess strong analytical and problem-solving skills and a tremendous will to win.
• Strong relationship building, management and influencing skills.
• Exceptional verbal, written, and interpersonal communication skills.

How will you make an impact in this role

Responsible for conducting detailed analysis on third-party vendor data to drive the data strategy in New Accounts, Customer Management and Marketing models and strategy for International Commercial business.

Minimum Qualifications

Benefits

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 :

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.

Skills Required

Hive, Excel, Python, Sql