Manager - Finance

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Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on #TeamAmex.

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Credit & Fraud Risk Finance supports Credit & Fraud Risk and other business partners on all aspects of Net Loss Provision. The CECL Analytics team’s key responsibilities include providing decision support and business analytics to help the senior leadership make decisions on appropriate level of reserves, develop and present key analyses and monthly / quarterly reserves results to senior management and provide thought leadership in development/enhancement of reserve models as well as strategic business analytics and lead discussion in various internal credit reserves committee.

Responsibilities:

• Manage the monthly and quarterly credit reserve calculations and analysis, ensuring accuracy, completeness and timeliness of the data and results for both CECL & IFRS 9.

• Monitor and analyze the credit quality and performance of the company’s credit card and other loan portfolios, identifying emerging credit trends, issues and opportunities for reserve assessments.

• Perform scenario analysis and evaluate the sensitivity and drivers of credit losses under different economic scenarios and conditions.

• Review, update and enhance credit loss models and methodologies to ensure following IFRS 9 requirements and best practices, including ongoing model monitoring and governance.

• Prepare and support the presentation materials for various credit reserves committees.

• Manage compliance and control activities, including internal controls and SOX compliance over credit reserving processes.

• Participate in or lead projects and ad-hoc analysis as needed.

• Partner with various cross-functional teams, including Controllership, Risk and Technology

Qualifications:

• Degree in finance, accounting, quantitative field such as mathematics or statistics

• Strong understanding of statistical/predictive models, data extraction and analytical techniques using complex financial databases

• 3+ years of related experience preferred

• Advanced skillset with SQL required; Python/R skills preferred

• Successful candidate will have proactive "can do" attitude and strong background in financial analysis.

• High attention to detail, accuracy, and quality, with the ability to work under pressure and meet tight deadlines.

• Must be able to translate ideas into understandable business solutions and demonstrate thought leadership in developing value added analyses.

• Must be results driven and proactive with the ability to manage multiple projects and work within tight timelines.

• Ability to break down complex ideas into understandable and actionable messages

• Ability to present to and influence senior leaders, internal validation teams, and external regulators

• Ability to provide thought leadership and creativity in solving challenging business problems

Salary Range: $80,000.00 to $155,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

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.

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