The Credit and Fraud Risk team is seeking a manager with a primary focus on Card Lending products (Revolve and Installment). The successful candidate will be a key contributor to drive improvements within American Express’s Consumer and Commercial card risk lending strategies and customer experiences.

You will be exposed to stimulating challenges and opportunities to drive impactful change in an environment focused on innovation within a high growth market, and region for American Express.

Job Responsibilities (Essential Functions):

• Collaborate on the design, development, implementation, and monitoring of novel risk strategies and initiatives for the Japan Lending portfolio to profitably grow the business.
  
• Develop strong relationships with colleagues from the Central Risk Management organization, as well as Operations, Product , Marketing,  and external partners to drive enterprise wise success for the market, developing a holistic understanding of the enterprise.
  
• Closely monitor key lending credit performance metrics, and the implications on trends, diagnosing problems and identifying opportunities.
  
• Support product, and marketing partners on optimizing profit by balancing growth and credit risk
   
• Passion to deeply understand the market landscape, regulator requirements, and competitor practices and seek opportunities for innovation.
  
• Develop expert knowledge of American Express systems and infrastructure, and leverage this knowledge to define solutions.
  
• Take your part in fostering an inclusive, engaging and open culture within your team and beyond. We win as a team.
  

Critical Factors to Success:

• A passion for problem-solving, innovation and collaboration
  
• Strong interpersonal skills
  
• Ability to extract meaningful insights and narratives from data to support business goals and bring others with you
  
• Enterprise thinking – Don’t box yourself into a silo


• Growth mindset – eager to learn, challenge and develop yourself  

Qualifications:

 

• 4 to 6 years of experience in analytics alongside credit risk management experience will be valuable


• Demonstrates the courage to challenge the status quo
  
• Strong communication skills with the ability to influence diverse audiences in a cross-functional team environment
  
• A passion for solving problems with data, technical know-how, and strong attention to detail
  
• Experience as a self-starter, with ability to analyze data and derive meaningful insights to affect business outcomes
  
• Ability to drive change by quickly learning from the customer experience, market environment, regulatory context, and operations
  
• Experience with statistical programming language e.g. SAS, SQL, R, Python 
  
• Experience working with card lending products under the Installment Sales Law is a plus
  
• Proficiency in Japanese and English
  
• Bachelor's degree
  
  

• Competitive base salaries 
• Bonus incentives 
• Support for financial-well-being and retirement 
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) 
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need 
• Generous paid parental leave policies (depending on your location) 
• 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