Manager-Risk Management

This position will be a part of the Credit & Fraud Risk – New Accounts team for International Card Services Japan – a large, fast growing, and highly visible portfolio.
The incumbent will be responsible for managing credit risk strategies for new accounts acquisitions, supporting profitable business growth through effective underwriting, data driven decision making, and continuous enhancement of risk management capabilities.

・Strong relationship-building, communication, and presentation skills.
・Proven ability to build effective partnerships with internal and external stakeholders across marketing, product, sales, compliance, technology, legal, operations, and risk management teams.
・Demonstrated ability to influence business decisions and strategic outcomes through analytical insights and effective collaboration.

Process / System Knowledge
・Strong understanding of credit risk management processes, underwriting strategies, and analytical frameworks used to assess credit risk and evaluate the performance of new accounts acquisitions.
・Ability to develop a thorough understanding of relevant AXP production systems, analytical environments, products, and risk management capabilities.
・Understanding of credit card business economics, credit losses, provisioning, and key drivers of portfolio profitability.

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 strong sense of ownership and urgency.
・Proven ability to evaluate internal and external business factors and translate analytical insights into actionable risk management strategies.
・Proven ability to make timely, well-informed decisions while maintaining high standards of quality and risk discipline.

Technical Skills and Experience
・5+ years of experience in analytical roles, preferably within credit risk management, financial services, or a related quantitative discipline.
・Strong analytical and problem solving skills with demonstrated experience using data to support business decisions.
・Proficiency in SQL, databases, and Excel; experience with Python is preferred.
・Experience working with credit bureau data, financial statements, bank statements, and other information used in credit risk assessment.
・Familiarity with statistical analysis, predictive modeling, and machine learning techniques is preferred.
・Bachelor's degree in Computer Science, Mathematics, Statistics, Engineering, Economics, Finance, or a related quantitative field preferred.
・Advanced degree in Business, Finance, Statistics, Economics, Mathematics, or a related field is preferred.
・Fluency in English is required.
・Japanese proficiency is preferred.

Employment eligibility to work with American Express in Japan is required as the company will not pursue visa sponsorship for this position.