Manager Consumer Credit Review Risk Data Analysis

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. 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.

Position Summary

The Manager, Consumer Credit Review, will perform the Consumer Credit Review function within the third line of defense at American Express - reporting to the Director of Consumer Credit Review. This position is responsible for delivering end-to-end credit review activities for all consumer and small business portfolios and products. It requires a balance of strong consumer and small business credit acumen, operational execution, and adherence to regulatory expectations for independent credit review functions. Please note that this is an Individual Contributor role.

Key Responsibilities

• Conduct reviews to evaluate credit decisions and adherence to underwriting and account management policies
• Identify internal and external emerging risks based on ongoing monitoring
• Document workpapers clearly and thoroughly, with sufficient support for findings and conclusions
• Identify and escalate potential credit weaknesses, process gaps, or credit decision inconsistencies
• Support portfolio analytics, monitoring, and sampling by working with credit and performance data
• Use tools such as SQL, Python, or similar platforms to work with large datasets and conduct analysis in support of reviews
• Assist with the preparation of reports, dashboards, and governance materials
• Participate in continuous improvement efforts related to methodology, templates, and credit risk review standards

Required Qualifications

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 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 :

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