Analyst, Credit Risk Management

American Express Credit and Fraud Risk team (CFR) leads end to end credit risk management of our consumer and commercial businesses. This entails developing and implementing strategies across customer life cycle - targeting, underwriting, credit limit management, on-going customer management and collection activities to deliver profitable business growth without adverse surprises, while providing an outstanding customer experience.

The Credit Risk team leverages cutting edge analytical techniques to generate insights from data to drive optimal decisions that balance growth with acceptable risks. We work in close partnership with cross-functional teams across geographies and interact extensively with external entities such as credit bureaus, new data providers and start-ups to develop and implement products and strategies.

As an Analyst in the team, you will oversee and support the Australia & New Zealand Commercial portfolio by conducting in-depth data analysis to identify insights and potential risks.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our 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.

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

• Analytical aptitude with experience in analysing large volumes of data (open to graduates or candidates early in their analytics career)
• Advance Excel skills required
• SQL and/or Python skills preferred
• Experience/familiarity with Big Data and Machine Learning is preferred
• Knowledge and understanding of 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.
• Experience in using balance sheet, financial statement, bank statement and AP/AR files in credit assessment
• Experience/familiarity with cutting edge credit risk system designs, emerging technologies such as Distributed Ledger and interfaces such as APIs, digital capability, etc.
• Bachelor's degree in Computer Science, Math, Statistics, Engineering, Economics, Data Science or similar quantitative field of study preferred

• Own credit risk management for commercial businesses across segments within Corporate and Small Business portfolio
• Drive analysis to support risk management for corporate portfolio
• Work in partnership with business to drive profitable growth
• 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 and bank data. Continually explore and test new data sources.
• Monitor economic performance across all risk decisions and partner with the Centres of Excellence
• 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 macro-economic and business environment with direct and indirect impact on business and risk management.