Manager-Risk Management

Credit and Fraud Risk (CFR) is a global function responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth and accelerate innovation across American Express. CFR combines technology, infrastructure and advanced analytical capabilities to enable effective risk decisions and deliver superior customer experiences. The said role is in the India Chief Credit Officer’s team, which owns the credit loss provisions for the corporate portfolio in India. The position is to lead the Customer Management function within the Corporate CCO team and would entail partnering with the CFR-COE teams and external vendors to develop, test and deploy superior credit risk capabilities and strategies. The role requires a close collaboration with corporate Business and Operations teams to drive growth in the market and maintain customer experience, all while partnering with legal, compliance and second line teams to ensure regulatory compliance at all times

Qualifications

- Strong hands-on SME expertise in TRIAD, Falcon and FAS is mandatory, including strategy configuration, rule writing, testing and implementation.
- Proven experience across Customer Management functions — Authorization, CASE, RLA, Collections
- In-depth hands-on expertise & understanding of Fiserv LUMI tables and variables will be necessary.
- Prior experience with commercial portfolios and understanding of industry dynamics
- Ability to clearly differentiate credit and CBO strategies, with a strong understanding of their respective decision logic, triggers and risk implications.
- Demonstrated expertise in credit risk strategy development, collections decisioning, abuse management and customer experience optimization.
- Strong understanding of Net Loss Provisioning (NLP) and the impact of customer management strategies on credit losses, portfolio risk and business performance.
- Strong analytical and troubleshooting capabilities, with the ability to independently identify execution issues, perform root-cause analysis and drive effective remediation.
- Experience in strategy testing, production monitoring, platform enhancements and system migrations.
- Strong stakeholder management, project execution and structured problem-solving skills, with the ability to collaborate across multiple functions.
- An advanced degree in Business Administration, Engineering, Statistics, Economics or a related quantitative discipline, or equivalent relevant experience, is preferred.
- Knowledge of SQL, LUMI , Python, Hive or equivalent analytical tools is a must