American Express Director-Risk & Information Management in Karnataka, India
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Function Description :
Credit Authorizations is a critical function within the Credit Risk Strategy organization. It is a strategic competitive advantage of American Express as it is the core risk management engine behind our flagship charge card and other payment and lending products.
The position is responsible for managing Credit Risk Authorization strategies for consumer cards across all international markets. The incumbent will lead a team of highly motivated risk professionals to develop, execute, and communicate credit authorization strategies to support profitable business growth initiatives ensuring adherence to Credit policies and procedures.
Building a team of highly skilled and motivated risk management professionals with focus on driving a culture of diversity and inclusion
Developing and continuously enhancing Credit Authorization controls and processes for mitigating credit risk exposure
Conducting quantitative analysis to decide the thresholds within which consumers can access funds (for example: Is their transaction approved when they swipe their card?)
Synchronizing Authorization controls with digital communication strategies, ensuring a positive experience across every customer touchpoint
Identifying, evaluating, and integrating new data sources and capabilities into decision-making
Analyzing large volumes of data to identify emerging credit trends and find opportunities to enhance risk models
Partnering with multiple constituents across the enterprise, specifically regional risk teams and Chief Credit Offices, Compliance and Risk Capabilities, to design and implement enhanced strategies
Supporting risk governance, oversight, and audit functions as well as regulatory affairs
Maintaining an effective control environment and responding to operational breakdowns with discipline
Experience of 7 years in Risk management with people leadership experience of 2 years
Demonstrated experience driving and implementing credit risk management strategies
Strong analytical acumen, problem solving, project management skills with demonstrated proficiency in managing multiple projects simultaneously
Intellectual curiosity and learning agility needed to explore and evaluate new ideas
Exceptional professional communication skills – clear, logical, and structured
Demonstrated ability to influence at all levels
Adaptable interpersonal skills, high energy, and a proven team-first mentality
Advanced degree in statistics, econometrics, operations research, mathematics, computer science, engineering, or a related quantitative field of study
Primary Location: India-Haryana-Gurgaon
Other Locations: India-Karnataka-Bengaluru
Req ID: 21030021