Senior Analyst - Risk Management

Job ID: 26011532Posted: 2026-07-31Location: New York, NY, United StatesSalary: $78000 - $124750 annually + bonus + benefitsJob Function: Risk ManagementSchedule: Full timeShift: DayCareer Area: Analytics & Risk ManagementCompany: American ExpressDescriptionJoin Team Amex and let's lead the way together.How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.How will you make an impact in this role?The Credit Risk Team helps enable profitable business growth by reducing the credit risk and maintaining portfolio’s resiliency within the risk appetite. You will work in a highly dynamic and exciting environment and will have the opportunity to shape strategies and policies for American Express products and services. The role will involve collaborating with/supporting team members across the risk organization to ensure smooth running of the business. To succeed in this role, you would need to have a very good blend of technical skills, innovative thinking and relationship building skills.ResponsibilitiesResponsible for creation and enhancement of risk indicators in order to improve delinquency rates across SBS/GCP portfolios.High Balance Case study: Analyze high balance defaulters of GCP/SBS portfolio, identify new opportunities & partner with cross functional partners to implement strategies.Evaluate external data sources - work with third party vendors to understand their product & evaluate its relevance & use case for AMEX.Develop Strategies using External/Internal data sources & collaborate with AI/ML teams to solution it - define business requirements, analyze impact and implement controls post UAT.Develop risk assessment capabilities using GenAI tools (ChatGPT/Copilot).Qualifications1+ years of experience in risk analytics or a similar role.Degree in a quantitative field (e.g., Mathematics, Statistics, Computer Science or Economics).Strong technical and analytical skills with the ability to apply both quantitative methods and business skills to build insights and get results.Strong analytical skills, including a proving ability to translate complex and disparate information to develop a comprehensive and cohesive conclusion for colleagues, business partners, and senior leadersAbility to work independently and across a matrix organization collaborating with business partners, functional owners, capabilities, technology teams and external vendors.Rigorous and analytical approach to problem-solving, decision-making, and prioritization collaboration across teams/geographies.Proactive in identifying issues, delivering and calling out key findings, and advising on recommended solutions to correct issues or mitigate risks.Experience in developing GenAI based capabilities preferred.Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.lAbout the TeamAt 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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.As part of Team Amex, you’ll experience our 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.