Senior Financial Analyst

You Lead the Way. We’ve Got Your Back.

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.

This is a Band 30 role

This is an opportunity to be part of the Credit and Fraud Risk Controllership (C&FRC) team. The individual will directly contribute to the successful implementation of various system enhancements, analytics and automated reports.

Purpose of the role:

As part of a world-class Controllership group, the C&FRC organization is responsible for managing end to end credit and fraud process from reserve adequacy assessment through to the external and regulatory reporting. The will work closely with Controllership, Risk, Risk Finance, Technologies, and other groups responsible for day to day deliverables.

This role will support tech development of various features for credit reserving, disclosures and management report as a Business Specialist and will form a part of the Troubled Debt Restructuring Group within the C&FRC organization.

Responsibilities:

·     Develop/Automate various features for credit reserving, disclosures and management report using PySpark, Pandas.

·     Manage, transform and analyze complex data using Python, SQL, HIVE & EXCEL, GCP Big Query.

·     Analyze data, draw inferences, and make recommendations & presentations to leadership.

·     Understand the needs of the business and develop user story and clear acceptance criteria.

·     Perform user acceptance testing, parallel run testing, and any other testing required to ensure the build meets the requirements authored including development and execution of test cases, and documentation of results

·     Work closely and coordinate with various Product Owners, Process Owners, Subject Matter Experts, Solution Architecture colleagues, and Data Management team to ensure builds are appropriate for American Express products.

·     Strong financial & analytical skills, problem-solving skills with experience in analyzing data, drawing inferences, and making recommendations.

·     Structured problem-solving skills with proficiency in Python, SQL, HIVE & EXCEL, GCP Big Query, ability to identify and diagnose data issues when they arise

·     Proven experience querying databases, SQL, and working with programming tools, Python

·     Ability and willingness to work in a fast-paced environment and on aggressive timelines

·     Create functional specification and process specific design documentation to support process and report owner requirements

·     Team player but still able to work independently and on own initiative

Critical Factors to Success:

·     Stay relevant & agile to business / functional requirements.

·     Lead with a digital mindset - understand, leverage & implement technical changes

·     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 status quo and bring continuous innovation to our existing offerings

 Past Experience:

·     2-5 years of programming experience on PySpark, Pandas including strong techno-functional skills.

·     Proven experience querying databases, SQL, and working with programming tools. Experience on Python, SQL, HIVE & EXCEL, GCP Big Query.

·     Strong financial & analytical skills, problem-solving skills with experience in analyzing data, drawing inferences, and making recommendations.

·     Experience with financial reporting requirements and processes is a plus

·     Experience with credit reserves and portfolio analysis, financial modeling and accounting is a plus

·     Strong verbal & written communication skills and the ability to interact effectively with cross functional teams.

·     Strong Interpersonal & Project Management Skills. Candidate should be good on Multitasking and Time management.

·     Foundational data warehousing principles and data modeling experience is a plus

·     Agile trained is a plus

·     Degree in Software or Engineering with relevant programming and analytics experience

Academic Background:

·     2-5 years of programming experience on PySpark, Pandas including strong techno-functional skills

·     Degree in Software or Engineering with relevant programming and analytics experience

 Functional Skills/Capabilities:

·     Strong process orientation and analytical problem-solving skills, demonstrated process improvement

·     Excellent written and verbal communications skills, strong collaboration and relationship skills

·     Excellent relationship building, presentation and collaboration skills

·     Experience with financial reporting, credit reserves and portfolio analysis, financial modeling

Technical Skills/Capabilities:

·     SQL, HIVE, Pyspark, Pandas, GCP Big Query and data analysis experience

·     Strong Analytical and problem-solving skills

·     Knowledge of Big Data Platforms

·     Experience with financial reporting, credit reserves and portfolio analysis, financial modeling

·     A good understanding of the banking products is a plus

·     Awareness of relevant US GAAP/Local GAAP/IFRS is a plus

Behavioral Skills/Capabilities:

·     Results driven, self-starter, able to lead and influence without direct authority 

·     Ability to be flexible, prioritize multiple demands, and effectively manage in a matrix organization

Enterprise Leadership Behaviors:

·     Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective

·     Bring Others with You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential

·     Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage

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.