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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 lets lead the way together.

Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on ## TeamAmex.

Credit & Fraud Risk Finance team delivers fact-based, decision-driven and high-impact Net Loss Provision forecasts and credit-risk related insights and deep analytics. The key objective is to drive prudent financial decisions and support credit-risk strategies while ensuring adherence to governance and controls.

This position will be part of a highly talented team with strong intellectual curiosity.

How will you make an impact in this role?

The Analyst for US Card Net Loss Provision will play key role in the Credit Risk and Fraud Finance team by delivering Reserves and provision forecasts in addition to deep insights for overall US Consumer and Small Business portfolios. The Analyst will work across finance and risk, liaising with key stakeholders to deliver on our key business objectives, build upon our strategic vision and strengthen our team culture. They will drive accurate, comprehensive, and reliable estimates for the Net Loss Provisions for the US Card portfolio. As part of the team, you will have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career.

Leverage quantitative skills to support forecasting, results and analysis for US Reserves and Loss Provision
Use statistical and quantitative techniques to develop and enhance forecasting models, including data selection, validation, ongoing monitoring and governance, utilizing cutting edge techniques and platforms.
Perform corporate planning and financial planning and analysis to serve as the basis for key internal and external communications and decisions.
Update model documentation submitted to internal validation teams and external regulators
Conduct sensitivity analysis and scenario planning to access potential outcomes and risks across International markets
Partner with various cross-functional teams, including Controllership, Corporate Planning, and Risk
Conduct deep dives on credit metrics and emerging trends to identify risks and opportunities, inflection points, and key drivers of portfolio performance.
Communicate results and insights with peers and senior leadership across Finance and Risk.

Minimum Qualifications

Bachelor’s degree or above in a quantitative field such as mathematics, statistics, data science, or engineering
Strong understanding of statistical/predictive models, data extraction and analytical techniques using complex financial database
Hands-on experience in developing scalable models using statistical software such as Python, R, Excel, with visualization in Power BI or Tableau

Preferred Qualifications

Coding skills in Python, R, VBA preferred
Advanced skills in SQL including Postgres, Hive, and BigQuery.
Ability to break down complex ideas into understandable and actionable messages
Ability to provide thought leadership and creativity in solving challenging business problems

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

Salary Range: $55,000.00 to $105,000.00 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 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:

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.

We back our colleagues with the support they need to thrive, professionally and personally. Thats 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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