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About the Role
This position will be part of the Credit & Fraud Risk - Customer Management team for International Card Services Japan, a large, fast-growing, and highly visible portfolio offering consumer and commercial payment and lending solutions.
Responsibilities
- Perform end-to-end credit risk management for existing customers in consumer and commercial businesses, including Authorizations point of sale strategy, Case Setup strategy for dunning and collections, and Responsible Lending Actions (RLA) strategies for automated exposure management.
- Manage risk outcomes and credit metrics.
- Develop a thorough understanding of expected and unexpected credit losses and communicate them effectively to business leaders.
- Focus on continuous improvement of credit risk management capabilities, optimizing integration and usage of data sources like credit bureaus, bank data, and financial documents, and exploring new data sources.
- Ensure Risk Management capabilities align with business strategy and strategic growth initiatives, including new business practices, products, and services.
- Monitor economic performance across all risk decisions and partner with Centers of Excellence to identify improvement opportunities.
- Develop and deploy capabilities and strategies that enhance profitable growth in partnership with central risk teams and local product, sales, marketing, and operations teams.
- Ensure complete understanding of and adherence to local laws and regulations.
- Maintain a deep understanding of the evolving regulatory and competitive environment impacting the business and risk management.
- Maintain a deep understanding of the macro-economic and business environment impacting the business and risk management.
Requirements
- Strong relationship building, communication, and presentation skills.
- Proven ability to build relationships with external and internal partners across multiple geographies to lead through influence.
- Ability to influence outcomes, funding, focus, and strategy for a business.
- Ability to deeply understand relevant AXP production systems and the analytical environment for account and portfolio analysis, trend observation, and credit action strategy direction.
- Ability to develop comprehensive content knowledge about AXP products, risk processes, and capabilities.
- Full understanding of the economics of the credit card business, net loss provision, and levers affecting economic outcomes.
- Proven ability to think and act at an enterprise level.
- Proven ability to navigate and collaborate across different teams and organizations with a high sense of urgency.
- Proven ability to assess and link internal/external factors to develop appropriate business and risk management strategies and actions.
- Proven ability to make quick but informed decisions without compromising quality.
- 5+ years in an analytical role driving decisioning with data.
- Proficient in SQL and experience with databases and Excel.
- Experience in using credit bureau, balance sheet, financial statement, bank statement, and AP/AR files in credit assessment.
- English fluency required.
- Conversational Japanese language proficiency required, fluency preferred.
- Employment eligibility to work with American Express in Japan is required; visa sponsorship will not be pursued.
Skills
- SQL
- Excel
- Python (preferred)
- Machine Learning models (familiarity preferred)
- Credit bureau data analysis
- Balance sheet analysis
- Financial statement analysis
- Bank statement analysis
- AP/AR file analysis
Location
- Japan
Work Type
- Hybrid
- Onsite
- Virtual
Experience Level
- 5+ years in an analytical role
Education Level
- Bachelor’s degree in Computer Science, Math, Statistics, Engineering, Economics, or similar quantitative field of study preferred
- Advanced degree in Business, Finance, Statistics, Economics, Mathematics, or equivalent experience in similar business is preferred
Salary/Compensations
- Competitive base salaries
- Bonus incentives
Benefits
- Support for financial-well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
- Flexible working model
- 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
About the Company
- American Express has a culture built on a 175-year history of innovation, shared values, and Leadership Behaviors.
- The company has an unwavering commitment to backing its customers, communities, and colleagues.
- American Express delivers differentiated products and world-class customer service with a strong risk mindset, upholding its brand promise of trust, security, and service.
- Team Amex offers powerful backing with comprehensive support for holistic well-being, opportunities to learn new skills, develop as a leader, and grow careers.
- At American Express, voices and ideas matter, work makes an impact, and employees help define the future of the company.
Equal Opportunity
- Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.