You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How will you make an impact in this role?

This position is on the Global Consumer Services Credit Risk Strategy team and reports to the Vice President of US CPS New Accounts.

You will lead the US CPS New Accounts Prospect Underwriting team, responsible for developing innovative solutions across underwriting processes with the end goal of driving industry-best credit results while enabling profitable growth in new account acquisitions. Specific responsibilities include

• Optimize the risk-return tradeoff for acquisitions.

• Continually enhance underwriting decisions by incorporating new data, new capabilities, new techniques, and changing factors.

• Track developments in the marketplace to understand industry best practices.

• Continuously monitor new account performance, conduct deep-dive analyses to explore areas of opportunity, and implement credit controls to address potential/emerging risks

• Collaborate across Risk Management to align strategies across the customer lifecycle

• Partner with Risk Products & Data Strategy Team and American Express Technologies (AET) to build and/or refine underwriting capabilities.

• Partner closely with Decision Science, Fraud, CBO, and Customer Management teams to evaluate new data sources, track performance, and ensure profitability.

Minimum Qualifications:

The ideal candidate will possess

• Advanced Degree in a quantitative field such as Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science.

• Outstanding strategic thought leadership with a focus on innovation

• Self-motivated, results-driven, intellectually curious and leads with external perspective.

• Clear, effective written and oral communication skills.

• Strong collaborative/interpersonal skills and ability to work in a dynamic, constantly evolving environment with strong attention to detail.

• Project management skills with demonstrated proficiency in leading multiple projects simultaneously.

• Expertise in underwriting or another core credit risk management function.

• Deep understanding of credit card economics and the payments industry.

• Externally focused and aware of the latest technology and market trends in payment, credit trends, credit behavior and external development in the lending industry.

• Strong people leadership skills, including career development, hard skills training, coaching through business partner relationships, etc.

Salary Range: $130,000.00 to $205,000.00 annually bonus equity (if applicable) 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.

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.

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.

US Job Seekers/Employees - Click here to view the “EEO is the Law” poster and supplement and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

Considerations for sponsorship:

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.