Posted a month ago
Senior Manager-Risk Management (m/f/d), Frankfurt/Germany

At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way.

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This is a manager/senior manager role reporting into the Chief Credit Officer of Germany, Austria and CEE and will be a part of a highly motivated Credit Risk Management team responsible for driving acquisition, underwriting and customer management strategies for consumer card business in Germany and Austria.


The incumbent will be responsible for managing the net loss provision by ensuring effective execution of strategies and policies for the consumer card businesses in Germany and Austria. This will require a good understanding drivers of the credit indicators for the consumer portfolio and the implications on trends/forecast and monitoring the true experience of customers in the market, diagnosing problems and identifying opportunities for improvement and then working with partners to implement.

As a key member of our Risk Management team broadly in Europe and in International, you will work closely with risk colleagues across the globe to learn and deploy best practices from other regions. You will implement risk-driven strategies to profitably grow billed business and improve the customer experience in close collaboration with our central excellence teams that develop state of art decision science tools and risk capabilities. You will also work in close collaboration with business partners such as digital acquisition, engagement, business development, operations, compliance etc.


Given the strong business focus on digital, you’ll be working at the forefront of digital innovation to realise new strategies that drive customer acquisition and engagement. This is both an exciting and rewarding role that offers a unique opportunity to gain experience across the risk life cycle and to interact with a wide range of business partners across all levels within the organization.

Key Skills and Competencies required:

  • Advanced degree in business, finance, statistics, economics or mathematics or equivalent experience in similar business is preferred
  • Deep understanding /experience of risk management principles, underwriting, credit analysis and modelling especially in unsecured consumer lending or in the payments industry
  • Strong analytical and problem solving skills with strong thought leadership and the ability to manage multiple projects simultaneously
  • Self-starter with an ability to work in a dynamic, fast changing environment, with a strong attention to detail, communicate effectively and work well in a cross-functional environment
  • Strong programming skills (SAS and SQL as a minimum), experience with Big Data programming languages such as R, PYTHON a plus
  • Fluency in English and German is required


Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.


Why American Express?

Talk to our people and you’ll find out what we’re really all about. Open, creative, risk-taking, collaborative and innovative are just some of the expressions you’ll hear. It’s our culture that makes Amex an outstanding place to work. So if you’re ready to take on a challenge and make an impact, you owe it to yourself to launch or grow your career here.


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Senior Manager-Risk Management (m/f/d), Frankfurt