Senior Financial Analyst

Job Description

How will you make an impact in this role?

The Credit and Fraud Risk (CFR) Finance team partners with the Risk organization to drive analytics that support our risk activities and inform the Company’s credit outlook, including expectations for write-offs, CECL and IFRS9 reserve levels, and CCAR stress testing. The team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights. The key objective is to drive profitable financial decisions and support credit-risk strategies while ensuring adherence to governance and controls.

Responsibilities

Responsibilities:

• Support results and analysis for CECL and IFRS9 reserves driving deep analytics and insights with an enterprise focus
• Support credit reserve discussions with the Credit Reserve Committee, Risk Management teams, all lines of defense, and regulators
• Analyze potential emerging credit risks from both internal and external sources. Develop analytics to determine impact on credit reserves.
• Support ad hoc and strategic analyses including portfolio performance, scenario analysis, and risk-related deep dives as needed
• Support the preparation of reports and presentations on reserve trends for senior management and various committee meetings
• Run well-controlled and governed processes for CECL and IFRS9
• Develop and maintain methodologies to estimate credit reserves and adjustments
• Maintain comprehensive documentation and support discussions with Model Risk Management Group, audit, and regulators
• Partner with other CFR Finance teams, Risk, and Controllership on evaluation of credit reserve drivers and forecast implications
• Partner with various cross-functional teams, including Controllership, Corporate Planning, and Risk Modeling and Technology
  
  

Qualifications

Minimum Qualifications:

• Bachelor’s degree in Finance, Mathematics, Economics, Computer Science, or related fields
• Advanced skills in SQL and Python; strong proficiency in Excel and PowerPoint
• Strong understanding of statistical and machine learning–based predictive modeling using complex datasets
• Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders including senior leaders and regulators
• Must be able to translate ideas into analyses with measurable business impact and demonstrate thought leadership that informs decision-making
• Ability to manage multiple tasks and projects simultaneously, with great follow-up and attention to detail, and work well in a fast paced and dynamic environment
• Detail-oriented with a commitment to accuracy and compliance
  
  

Preferred Qualifications

• Master's degree in Finance, Mathematics, Economics, Computer Science, or related fields
• Experience in financial services loss forecasting/CECL
• Hands-on experience performing analysis and building scalable, automated analytical tools using Python to improve efficiency, consistency, and controls
  
  

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

About Us

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

About The Team

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

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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The below 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.