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?

Join our Credit Risk Team in Japan, where we design and deliver forward-thinking credit risk strategies that fuel business growth and deliver exceptional customer outcomes.

This position includes managing credit risk strategies in 1) commercial limits (limit control of commercial products), 2) Data strategies (external data vendors such as credit bureaus) for Japan market, 3) Card Lending products (Revolve and Installment), 4) corporate card portfolio, and managing,– a large, fast growing, and highly visible portfolio that offers consumer and commercial payment and lending solutions.  The incumbent will be responsible for the following:
 

• Collaborate on the design, development, implementation, and monitoring of novel risk strategies and initiatives for Japan
• Closely monitor key credit performance metrics, and the implications on trends, diagnosing problems and identifying opportunities.
• Support product, and marketing partners on optimizing profit by balancing growth and credit risk.
• Develop strong relationships with colleagues from the Central Risk Management organization, as well as Operations, Product , Marketing, and external partners to drive enterprise wise success for the market, developing a holistic understanding of the enterprise.
• Focus on continuous improvement of credit risk management capabilities. Optimize integration and usage of capabilities and data such as consumer and commercial credit bureaus, financial statements, and bank data. Continually explore and test new data sources to improve models and strategies.
• Have a deep understanding of evolving regulatory environment with direct and indirect impact on the portfolio and risk management.

Qualifications

• Exceptional problem solving and analytical skills and strong project management and communication skills to work effectively in a team environment.
• Solid critical thinking and analysis in technical scenarios, attention to detail and able to synthesize large amounts of data and formulate creative and innovative solutions to complex problems.
• Self-starter, ability to work independently and prioritize in real-time.
• 3+ years experience in analytics alongside experience in credit risk management or in payment solution industry will be valuable
• Hands-on experience working with large datasets, and familiarity with Python, R, SAS, SQL, or similar programming languages
• Business level of proficiency in both Japanese and English.
• Bachelor's degree or master's degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business

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 
• 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.