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About the Role

This position is part of the Credit & Fraud Risk – New Accounts team for International Card Services Japan, a large, fast-growing, and highly visible portfolio. The role involves managing credit risk strategies for new account acquisitions to support profitable business growth through effective underwriting, data-driven decision-making, and continuous enhancement of risk management capabilities.

Responsibilities

Develop, implement, and optimize credit risk underwriting strategies across the new accounts acquisition lifecycle for consumer and commercial portfolios.
Monitor and manage key acquisition risk metrics, credit performance, and portfolio profitability. Identify emerging risks, assess expected and unexpected credit losses, and recommend strategies to improve portfolio profitability and support sustainable growth.
Drive continuous enhancement of underwriting capabilities through improved use of internal and external data, credit bureaus, financial information, and advanced analytical techniques to strengthen risk assessment and decisioning.
Support strategic growth initiatives, including new product launches/refreshes, acquisition channels, and underwriting enhancements, ensuring alignment between risk management strategies and business objectives.
Partner with central risk teams and local business stakeholders across product, marketing, technology, operations, and compliance to develop and execute effective credit risk strategies.
Serve as a key liaison between the Japan risk team and central risk teams, representing local market perspectives and translating market-specific insights, business priorities, and regulatory considerations into actionable risk strategies and initiatives in partnership with central teams.
Ensure complete adherence to applicable local laws and regulations, internal policies, and risk governance standards while maintaining awareness of evolving economic, regulatory, and competitive environments impacting the business.

Requirements

Strong relationship-building, communication, and presentation skills.
Proven ability to build effective partnerships with internal and external stakeholders across marketing, product, sales, compliance, technology, legal, operations, and risk management teams.
Demonstrated ability to influence business decisions and strategic outcomes through analytical insights and effective collaboration.
Strong understanding of credit risk management processes, underwriting strategies, and analytical frameworks used to assess credit risk and evaluate the performance of new accounts acquisitions.
Ability to develop a thorough understanding of relevant AXP production systems, analytical environments, products, and risk management capabilities.
Understanding of credit card business economics, credit losses, provisioning, and key drivers of portfolio profitability.
Proven ability to think and act at an enterprise level.
Proven ability to navigate and collaborate across different teams and organizations to get things done with a strong sense of ownership and urgency.
Proven ability to evaluate internal and external business factors and translate analytical insights into actionable risk management strategies.
Proven ability to make timely, well-informed decisions while maintaining high standards of quality and risk discipline.
Employment eligibility to work with American Express in Japan is required as the company will not pursue visa sponsorship for this position.

Skills

SQL
Databases
Excel
Python (preferred)
Credit bureau data
Financial statements
Bank statements
Statistical analysis (familiarity preferred)
Predictive modeling (familiarity preferred)
Machine learning techniques (familiarity preferred)
English fluency
Japanese proficiency (preferred)

Location

Japan

Work Type

Hybrid
Onsite
Virtual

Experience Level

5+ years of experience in analytical roles, preferably within credit risk management, financial services, or a related quantitative discipline.

Education Level

Bachelor's degree in Computer Science, Mathematics, Statistics, Engineering, Economics, Finance, or a related quantitative field preferred.
Advanced degree in Business, Finance, Statistics, Economics, Mathematics, or a related field is preferred.

Benefits

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

About the Company

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.

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.