Credit & Fraud Risk Finance team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights through deep analytics. The key objective is to drive prudent financial decisions and support credit-risk strategies while ensuring adherence to governance and controls.
The CFR Financial Insights Team is a project-based team committed to providing insightful analytics and informed recommendations to drive profitable growth, with a strong focus on advanced analytics, automation, and innovation.
How will you make an impact in this role?
This Manager role sits within Risk Finance and partners closely with Credit & Fraud Risk, Finance LFOs, EFP&A, Investor Relations, Marketing, Investment Optimization, and Technology to support enterprise decision-making, planning, and forecasting.
The role combines deep analytical expertise, Generative AI-driven innovation, and hands-on technical development to modernize how insights and forecasts are produced.
You will lead complex, cross-functional analytics that link risk actions to customer behavior, financial outcomes, and loss metrics, while building scalable analytical solutions and driving innovation in Risk Finance.
You’ll influence and inform cross-enterprise strategic decision-making by performing nuanced analytics on card member and segment behavior as well as peer and industry trends, always keeping in mind profitability expectations and impact to losses.
Advanced Analytics & Decision Support
- Provide credit and fraud-related analytical support that identifies portfolio trends, customer-level behaviors, and actionable insights to inform strategic decisions across the Credit & Fraud Risk Management organization.
- Perform nuanced analytics to evaluate initiatives spanning multiple businesses, including cost/benefit analyses that quantify revenue uplift, loss reduction, or risk mitigation.
- Develop and present clear, data-driven recommendations to senior Risk and Finance leadership, translating complex analytical findings into business implications.
- Drive forward-looking insights that inform planning, forecasting, and assumption-setting within Risk Finance and broader Corporate Planning.
Generative AI & Advanced Analytics Innovation
- Identify and own Generative AI use cases across Risk Finance to enhance insight generation, reporting, and decision support.
- Design and implement GenAI-enabled analytics workflows that improve efficiency, scalability, and analytical capabilities.
- Partner with Data Science and Technology teams to develop and scale innovative solutions, ensuring outputs are actionable, interpretable, and aligned to business needs.
- Apply advanced analytical approaches such as segmentation, scenario analysis, anomaly detection, and test-and-learn frameworks to solve complex business problems.
Automation & Analytical Modernization
- Develop and automate recurring analytical and reporting deliverables using Python and SQL, improving efficiency, accuracy, and scalability.
- Build reusable analytical frameworks, pipelines, and tools including scenario tools, automated reporting, and standardized analytics outputs.
- Leverage platforms such as Lumi and Power BI to design interactive dashboards, visualizations, and scalable reporting solutions.
- Proactively identify opportunities to simplify processes, reduce manual effort, and modernize analytical workflows.
Cross-Functional Partnership & Impact
- Collaborate with Finance, Risk, Data Science, and Technology partners to deliver integrated analytical solutions.
- Influence stakeholders across levels by providing clear analytical narratives, strong business context, and well-structured recommendations.
- Contribute to a collaborative team culture by sharing knowledge and continuously improving how the team delivers insights.
Minimum Qualifications:
- 4+ years of relevant experience in finance, risk analytics, data science, or related analytical roles.
- BS/MS in Finance, Mathematics, Statistics, Computer Science, or a related quantitative field.
- Strong analytical skills with hands-on experience working with large, complex datasets.
- Proficiency in SQL and Python for data extraction, analysis, and automation.
- Experience applying quantitative techniques such as segmentation, regression, and scenario analysis to generate business insights.
- Demonstrated ability to translate complex analytical concepts into clear business insights.
- Excellent written and verbal communication skills, with experience presenting to senior management.
- Strong problem-solving skills and ability to operate in a fast-paced, ambiguous environment.
Preferred Qualifications:
- Experience developing or applying Generative AI use cases in analytics, reporting, or workflow automation.
- Familiarity with Lumi or large-scale data environments.
- Experience with Power BI or other data visualization tools.
- Background in financial analytics, credit risk, or forecasting.
- Proven track record of driving automation and analytical modernization.
- Familiarity with financial planning tools such as IBM TM1 / PAW or similar platforms.
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.