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Description
You Lead the Way. We’ve Got Your Back.
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. We back our colleagues with the support they need to thrive, professionally and personally. That’s why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
Functional Description :
The Global Lending Capabilities team within CFR is is responsible for managing variety of Lending Initiatives focused on driving profitable lending growth while maintaining best in class loss rates.
The CFR team helps drive profitable business growth by reducing the risk of fraud and maintaining our customers’ confidence in the security of our products. It utilizes an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending and provide a world-class customer experience. The team leads efforts that leverage data and digital advancements to improve service and risk management as well as enable commerce and drive innovation. CFR is responsible for developing and monitoring statistical models for predicting individual and commercial’ behaviors such as credit risk, fraud risk, spending and revolve. These models are used for key business decisions made across the customer life cycle to manage risk and accelerate profitable business growth. Underpinning our growth as a company are the tools and capabilities that ensure we prudently take and manage risk in a viable way.
Purpose of the Role:
A role with Global Lending Capabilities within CFR at American Express offers the unique opportunity to work on key lending capabilities which directly impact the business profitability through improved ADB, Spend and Write-off metrics. The team works very closely with US & ICS Risk teams, Decision Science and Technology teams to implement, monitor and manage the strategies & processes. Team is responsible for managing key lending frameworks including Debt Capacity, Ability to Pay, LED and Dynamic Customer Exposure Limit to name a few.
Responsibilites:
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Managing 4 B30’s team to enhance existing capabilities and developing new capabilities to drive sustainable lending growth.
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Monitor performance of key frameworks and provide regular updates to senior management.
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Develop deep-dive portfolio diagnostics analysis to identify new yield management improvement opportunities and actively drive the new strategy to implementation
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Conduct process deep dives and closely monitor key controls to minimize operational risks
Critical Factors to Success :
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Ability to prioritize across multiple requests and continuously manage partner expectations.
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Ability to structure highly unstructured requests and convert the available information to into business implications and insights.
Qualifications
4 Years of Relevant/Related Work Experience with Consistent Track Record Of Strong Performance
Academic Background :MBA, Master’s Degree In Economics, Statistics Or Related Fields From Top Tier Institute
Functional Skills/Capabilities :
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Ability To Drive Results With Strong Thought Leadership
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Strong Analytical & Problem Solving Skills
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Excellent Communication and Relationship Building Skills
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Demonstrated Ability to Work Effectively Manage and Integrate With Cross-Functional Business Partners Worldwide
Technical Skills/Capabilities :
Knowledge of Platforms : Experience working on Cornerstone
Behavioral Skills/Capabilities :
Enterprise Leadership Behaviors
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Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective
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Bring Others With You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential
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Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage
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.
Job: Risk
Primary Location: India-Haryana-Gurgaon
Schedule Full-time
Req ID: 22026204
