Manager, Risk Management

American Express; Toronto; On-site; CAD 70,000 - 110,000; Full time

Job summary

American Express is seeking a professional for their credit risk management team in Toronto. This role involves monitoring credit trends, analyzing portfolio performance, and collaborating across teams to enhance credit policies. Ideal candidates possess strong analytical capabilities, programming skills, and a background in data analytics or risk management.

Benefits

Comprehensive medical, dental, and vision benefits

Flexible working model

Competitive base salaries

Bonus incentives

Generous paid parental leave policies

Career development and training opportunities

Qualifications

• Prior work experience in risk management, decision science, or data analytics.
• Strong ability to structure complex analyses using large data sources.
• Self-motivated with strong project-management skills.

Responsibilities

• Monitor Consumer & Small Business portfolio credit trends and assess collections processes.
• Analyze portfolio performance trends and optimize credit decisions.
• Collaborate closely with Credit & Fraud Risk to enhance risk controls.

Skills

Analytical skills

Problem-solving

Project management

Programming skills

Education

Undergraduate degree in engineering, statistics, mathematics, or related field

Job description

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. As part of Team Amex, you'll experience this 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.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you are finding new ways to enable a customer to start a new business or looking for opportunities to minimize credit losses, you can work with one of the most valuable datasets 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 path. Find your place in credit risk management on #TeamAmex.

How will you make an impact on this role?

Responsible for monitoring Consumer & Small Business portfolio credit trends, conducting high-balance case reviews, assessing effectiveness of pre- vs. post-cancellation collections processes, optimizing our responsible lending and authorizations strategies, and partnering with Credit Operations to strengthen processes and procedures.

• Routinely access a variety of large-scale databases and reporting platforms to analyze portfolio performance trends and/or individual Card Member cases and translate the information into actionable strategy with the objective of improving the customer experience while delivering on our financial commitments, with specific focus on Point-Of-Sale card Authorizations, responsible lending actions and pre- and post-cancellation collections.
• Incorporate local market dynamics, macroeconomic and industry trends, and new developments to enhance global processes, models, and strategies.
• Collaborate closely with Credit & Fraud Risk (CFR) Centers of Excellence to optimize credit decisions, strengthen credit policies, and enhance risk controls and capabilities.
• Regularly monitor credit risk processes to ensure Operational Excellence, with particular focus on post-implementation validations.
• Work closely with Controllership, Treasury, 2nd Line, and 3rd Line to support and strengthen Amex Bank Of Canada corporate governance policies, processes, and committees.

Qualifications:

• Undergraduate degree in engineering, statistics, mathematics, econometrics, or a related field.
• Prior work experience in risk management, decision science, or data analytics.
• Strong programming skills and ability to structure complex analysis leveraging multiple large data sources.
• Thought leadership, problem-solving, and analytical skills with the ability to translate data into insights and actionable strategies.
• Self-motivated, results-driven, and intellectually curious.
• Strong project-management skills; proven ability to manage multiple projects concurrently.
• Clear, effective written and oral communications skills.
• Proven ability to build relationships and influence without direct authority.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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 committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”). If you have a disability and need accommodation, please speak with the Recruiter for more information.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.