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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 let's lead the way together.
Functional Description:
This critical leadership role will be responsible for successful end to end delivery of Document based Underwriting processes and capabilities for Project Fusionby partnering with Product, Acquisitions, AET, Credit Operations and external vendors (Fiserv and Jocata) and COE team.This exciting role will cut across consumer & commercial, new accounts and customer management functional areas.
Key Responsibilities:
Drive successful transformation ofDocument based Underwriting processes and capabilitiesas part of Project Fusion for India market.
At New Accounts: Partner with vendors - Jocata and Fiserv, credit bureaus and third-party data providers (ex. Perfios, Save Risk , Genpact etc ), CFR decision sciences, strategy teams (credit, CBO & fraud risk) and India business teams to migrate, simplify/enhance and implement document-based underwriting processes (Commercial LE Onboarding etc) in Jocata
At Customer Management : Partner with Fiserv and Jocata, credit bureaus, FICO teams, third-party data providers (ex. Perfios, Save Risk , Genpact etc ), CFR decision sciences, strategy teams (credit, CBO & fraud risk) and India business teams to migrate, simplify/enhance and implement document-based underwriting processes (RLI, PFG, CBO etc) in Jocata.
Key lead and conduit between CFR RPDS, AXP Central Data Office, ICS Business , ICS Technologies, third-party data providers and Vendors (Fiserv & Jocata) teams to define the POA Data needs & strategy for CFR processes.
Drive milestones towards flawless execution & implementation of our new set of issuing product platforms and capabilities (both consumer and corporate).
Measure of success would also be driving more streamlined and simplified business with sound governance processes.
Collaborate with workstream owners to identify & mitigate barriers to roadmap execution, including understanding critical cross-workstream and cross-platform dependencies.
Partner with Tech SMEs, other Product Owners & Business SMEs to ensure an aligned capability development strategy is being deployed.
Qualifications
Strong quantitative, analytical, project management and structured problem-solving skills in Credit Risk Management
Indepth knowledge of Triad, Vision Plus , JOCATA platforms will be preferred.
Ability and willingness to work in a fast-paced environment and on aggressive timelines.
Effective team player and be able to manage multiple projects.
Experience in analyzing data, drawing inferences, and making recommendations.
Strong relationship management and negotiation skills with an ability to effectively collaborate with multiple stakeholders
Thorough understanding of credit card business economics.
Candour in communication
An advanced quantitative degree in business administration, engineering, statistics, or economics and/or equivalent work experience will be preferred.
Developing and maintaining strong working relationships with the credit bureaus, fintechs and other vendors
Ensuring compliance with all regulatory requirements through robust risk policies.
Continuously strive for excellence and lead with an external perspective
Nurture and develop a high performing team
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
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
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.