Manager-Risk Management - job 1 of 50

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. 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?

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets 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 own path. Find your place in risk and analytics on #TeamAmex.

As part of the Credit and Fraud Risk organization, the US Commercial Collections Strategy team is responsible for managing credit policies for delinquent and written-off accounts and developing best-in-class collection tools like financial relief program or a late stage collection strategy. These strategies and tools directly impact business profitability through improved credit performance and collections results. The team is also responsible for ensuring on-going monitoring and improvement of credit and collection processes and policies.

Key Responsibilities:

You will work in a team responsible for developing and deploying new credit actions for accounts in delinquency and credit collection process, financial relief program (FRP) or managing critical processes like settlement tools and strategy, customer crisis recovery (CCR). You will also be responsible for ensuring on-going monitoring and improvement of credit and collections processes and policies.

• Manage the Financial Relief Program to maximize the collection benefit across global commercial portfolios
• Develop efficient and differentiated contact strategy, embracing ‘digital first’ mindset
• Monitor key matrices cancellation, write offs, spin down rates and recoveries and provide analytical insights to explain trends
• Provide independent decisions by combining data driven facts and intuition on case by case basis for special collections scenarios
• Understand Competitive and macro-economic landscape and proactively identify opportunities in AXP portfolios
• Enhance Term loans strategies through deep understanding of merchant needs, payment behavior and portfolio analytics
• Partner closely with cross-functional teams (e.g. GSG Strategy, Operation, Compliance, and Legal) to implement risk strategies and ensure best-in-class customer services
• Build the next generation customer management capabilities that can integrate the card and non-card portfolios to drive synergy and efficiency
• Creative thought leadership, bold ambition and a strong will to win.

Minimum Qualifications:

• Bachelors degree required
• Problem-solving, and advanced analytical skills
• Prior experience in collections is preferred
• Self-starter, results-driven, intellectually-curious personality
• Strong project management skills to manage multiple projects/tasks effectively
• Excellent, effective written and oral communication
• Expert with SQL, Python, R, Excel pivots

Preferred Qualifications:

• Advanced degree is preferred but not required given a suitable combination of formal education and work experience
• Prior experience in collections or customer management is preferred

Salary Range: $80,000.00 to $155,000.00 annually + bonus + benefits

The above 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.

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, but not limited to, 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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Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions