At American Express, our culture is built on a 175-year history of innovation, shared and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you’ll experience this 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.
How will you make an impact in this role?
In this position, you will be part of a highly motivated Credit Risk Management team responsible for developing acquisition, underwriting, and customer management strategies for Germany and Austria.
As a key member of our Risk Management team in Europe and internationally, you will work closely with risk colleagues around the world to learn and apply best practices from other regions.
Your Responsibilities:
1. Develop strategic insights based on data analysis
2. Monitor risk appetite and portfolio loss trends
3. Use data analysis to understand underlying credit risk indicators and develop trends/forecasts
4. Diagnose issues and identify opportunities for improvement
5. Collaborate with our central excellence teams and business partners to implement risk strategies
6. Understand market trends and the regulatory environment and apply them to credit risk
Minimum Qualifications:
7. At least a Master's degree in business administration, finance, statistics, economics, or mathematics, or a comparable qualification in a similar field
8. At least 2 years of experience in credit risk management, data analysis, or a related field
9. Comprehensive understanding of data and statistical methods
10. Excellent programming skills in Python and SQL
11. Advanced knowledge of Microsoft Office applications such as Excel, PowerPoint, and Word
12. Self-starter with strong problem-solving and project management skills
13. Fluent English and good German language skills
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:
14. Competitive base salaries
15. Bonus incentives
16. Support for financial-well-being and retirement
17. Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
18. Onsite and online Healthy Living activities, including insightful health and workout webinars, as well as an array of in-person screening opportunities (i.e. skin cancer screening, eye screening, diabetes screening and more!)
19. Onsite Healthy Living room for exercise activities or relaxation programs with onsite shower room facility. Relaxation programs include regularly scheduled massages!
20. Inclusive and helpful parental perks including first aid rooms for breastfeeding privacy, emergency back-up childcare services and childcare allowance.
21. Optional on-site visits from Occupational Doctors for workplace health consultations.
22. Free and confidential counselling support through our Healthy Minds program
23. Career development and training opportunities
Amex Flex provides flexibility for colleagues to thrive personally and professionally while ensuring we preserve the important benefits of our unique in-person culture. In Germany, we have an agreement with the works council with specific guidelines for Amex Flex. Depending on the role and business needs, colleagues will either work onsite, in a hybrid model or fully virtual.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.