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.
This position will lead the Credit & Fraud Risk - Customer Management team for International Card Services Japan – 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:
Own full accountability of end-to-end credit risk management of our existing customers for the consumer and commercial businesses, including the key areas of Authorizations point of sale strategy, Case Setup strategy for dunning and collections, and Responsible Lending Actions (RLA) strategies for automated exposure management
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 consumer and commercial credit bureaus, bank data, and financial documents.
Continually explore and test new data sources.Ensure Risk Management capabilities are aligned with 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 and strategies that enhance profitable growth in partnership with central risk teams as well as local product, sales, marketing, and operations teams.
Ensure complete understanding of and adherence to local laws & regulationsHave deep understanding of evolving regulatory and competitive environment with direct and indirect impact on our business and risk management.
Have deep understanding of macro-economic and business environment with direct and indirect impact on business and risk management.Focus on talent development and team culture. Create a cohesive team in which all employees have well-defined roles with clear scope and distinct responsibilities
Qualifications
Relationship building / Communication skills:
Proven experience or ability to build relationships with external and internal partners - marketing, product, sales, compliance, technology, legal, operations and risk management colleagues across multiple geographies in order to lead through influence
Ability to influence the outcomes, funding, focus, strategy for a business
Process/System knowledge:
Have an ability to deeply understand relevant AXP production systems and analytical environment to conduct account and portfolio analysis and observe trends to identify areas of weakness, and direct credit action strategy.
Understand fully the economics of the credit card business, net loss provision and the levers that can be used to affect economic outcomes.
Leadership/Organizational Awareness & Effectiveness:
Proven ability to think and act at an enterprise level
Proven ability to effectively lead and develop team of diverse backgrounds
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
Technical Skills and Experience:
5+ years' in an analytical role with people leadership experience
Proficient in SQL and one of the following - Python/R/SAS; Python preferred
Experience in using credit bureau, balance sheet, financial statement, bank statement and AP/AR files in credit assessment
Experience/Familiarity with Machine Learning models is preferred
Bachelor's degree in Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study preferred
Advanced degree in Business, Finance, Statistics, Economics or Mathematics or equivalent experience in similar business is preferred
English fluency required
Japanese language proficiency is not mandatory, but it is a strong advantage for this role
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.
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