Risk Analyst

Job Description This Senior Analyst position is a critical hands-on leadership role in the US Commercial Capacity team that will be responsible for Commercial Limits Underwriting strategies. The incumbent will play an influential role working closely with partners in Product, Sales, RPDS & GSG to create and drive strategies to grow the portfolio through transformational ideas and new capabilities that outclass competitors and provide world-class customer experience. Responsibilities You will be responsible for capacity/limit management for the US GCS portfolios – this includes the analytics, strategy, and capabilities, and process controls for existing customers. Lead charge limit initiatives including proactive financial gathering, commercial underwriting, and drive capability development for commercial charge portfolio (e.g. Document Based Underwriting) Work with the Product, Servicing, and Sales teams within the GCS organization and broader CFR organization to design and implement strategic initiatives that enable prudent and profitable growth while controlling for through-the-cycle volatility. Partner with Risk and Operations on underwriting strategies to improve decisions and customer experience Drive deep-dive analytics and partner with the Decision Science team to enhance economic logic that supports core risk management decisions. Lead, engage, and inspire a team of high performing risk management professionals Minimum Qualifications Undergraduate Degree in statistics, econometrics, operations research, mathematics, data science, engineering, business management or a related quantitative field of study Strong analytical discipline and an innovative approach to solving both practical and theoretical business problems Intellectual curiosity, adaptability in a dynamic environment, and an ability to re-engineer long-standing processes and infrastructure Previous experience leading and performing analysis using SQL, Python, or similar. Ability to build strong relationships, operate within large cross-functional teams, and influence business partners to drive change Ability to communicate and interact effectively with internal CFR and commercial executive leadership team/partners Preferred Qualifications Knowledge of business financials and understanding of risk from business documents Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions. About Us At 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. #J-18808-Ljbffr