Manager-Risk Management

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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.

Functional Description 

CFR CCO team owns the credit loss provision for the consumer and commercial portfolio in India. The position leads a highly dynamic team which partners closely with CoE teams to drive best in class credit risk capabilities and strategies – across acquisition, underwriting, customer management and collections. It collaborates effectively with business teams to drive profitable growth, partners with then and GSG teams to drive superior customer experience and coordinates with CRO, Compliance, GCO teams to always ensure regulatory compliance. The team has created a niche for itself in exploring collaboration with several FinTech’s and partners to upgrade the risk infrastructure in India.

Responsibilities

• Incumbent will be part of the India market CCO Team and would be responsible for leading regulatory initiatives for CFR across the consumer and commercial portfolios
• Incumbent will be responsible to ensure adherence and compliance to regulations for Credit risk function of the bank.
• Incumbent will be responsible to provide necessary support for managing the internal and external audits (Including RBI & NYSDFS) relating to Credit risk management function.
• Manage and support effective and comprehensive functioning of AEBC Credit Risk Management Committee (CRMC) and AEBC Wilful Defaulter Identification Committee (WDIC)
• Incumbent should be able to understand and interpret RBI guidelines impacting Credit risk management function
• Partnering closely with key bank stakeholders to develop and maintain Credit Risk Management Policies
• Ensuring understanding, alignment and compliance of American Express Management Policies.
• Ensure timely submission of data for onward regulatory reporting

Qualifications

• Strong quantitative, analytical, project management and structured problem-solving skills in Credit Risk Management
• An advanced quantitative degree in business administration, engineering, statistics, CA, or economics and/or equivalent work experience will be preferred.
• Ability and willingness to work in a fast-paced environment and on aggressive timelines.
• Effective team player and be able to manage multiple projects.
• Strong communication and interpersonal skills and ability to work effectively in a team
• Nurture and develop a high performing team
• SQL, SAS, Hive, or equivalent programming skills preferable.
• Candidates with prior risk management or Auditing or financial analysis experience are preferred.

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 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.