Job Description

:You Lead the Way. We\xe2\x80\x99ve 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\xe2\x80\x99ll learn and grow as we help you create a career journey that\xe2\x80\x99s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.At American Express, you\xe2\x80\x99ll be recognized for your contributions, leadership, and impact\xe2\x80\x94every colleague has the opportunity to share in the company\xe2\x80\x99s success. Together, we\xe2\x80\x99ll win as a team, striving to uphold our and powerful backing promise to provide the world\xe2\x80\x99s best customer experience every day. And we\xe2\x80\x99ll 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.Manager/Senior Manager, Customer Management / Singapore Credit Risk ManagementDescriptionThis position will be part of the Customer Credit Risk Management for Singapore. The incumbent will be responsible for the following:

• Own full accountability of end-to-end customer credit risk management for consumer
• Own risk outcomes and credit metrics
• Develop a thorough understanding of the expected and unexpected credit losses in the business and communicate them effectively to business leaders
• Focus on continuous improvement of credit risk management capabilities. Optimize integration and usage of capabilities and data such as credit bureau, financial statements, bank data etc. Continually explore and test new data sources.
• Ensure Risk Management capabilities are aligned with the business strategy and strategic growth initiatives, including launch of new business practices, products and services
• Monitor economic performance across all risk decisions and partner with the Centers of Excellence to identify improvement opportunities.
• Develop / Deploy capabilities that enhance profitable growth in partnership with Central teams
• Ensure complete understanding of and adherence to local laws & regulations
• Have deep understanding of evolving regulatory environment with direct and indirect impact on the business and risk management.
• Have deep understanding of macro-economic and business environment with direct and indirect impact on business and risk management.

Desired Skills:

• Relationship building / Communication skills:

• Proven experience or ability to build relationships with external and internal partners, compliance, technology, legal, credit operations and risk management colleagues to be able to lead through influence
• Ability to influence outcomes/funding/focus/strategy for a business

• Leadership/Organizational Awareness & Effectiveness:

• Proven ability to think and act at an enterprise level
• Proven ability to navigate and collaborate across different teams and organizations to get things done with a high sense of urgency
• Proven ability to assess internal/external factors and link together to develop appropriate business and risk management strategies and actions
• Proven ability to make quick but informed decisions without compromising quality

• Process/System knowledge:

• Have a working understanding of all risk systems to do account analysis and observe trends to identify areas of weakness, and direct credit action strategy.
• A breadth and depth of content knowledge about the product, risk processes and capabilities.
• Understands fully the economics of the business, how the business makes money, Net Loss Provision and the levers that can be used to affect the economic outcomes.

Qualifications

• 5+ years of experience in an analytical role
• Expert with Python, SQL, excel pivots
• Experience with Spark, GCP and AWS is preferred
• Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred
• Experience in using balance sheet, financial statement, bank statement in credit assessment is preferred
• CPA/CA or CFA a plus

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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

American Express