Director Credit Risk Management

American Express; México; Presencial; MXN 1.500.000 - 2.100.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Base salary

Bonus incentives

Health coverage

Hybrid/onsite options

Parental leave

Wellness centers

Counseling services

Career development

Descripción de la vacante

American Express CFR leads end-to-end credit risk management for consumer and commercial businesses in Mexico. You will own underwriting strategies, supervise a team of managers and analysts, and partner with central Risk Management, Operations and Marketing to optimize credit processes and risk controls.

We seek a leader who combines strong analytics, strategic thinking, and collaborative execution in a dynamic, regulated environment.

Formación

• 7+ years of experience in credit risk management and leadership across consumer and commercial segments.
• Strong analytical skills and ability to translate data into actionable risk strategies.
• Excellent written and verbal communication; able to influence across levels.

Responsabilidades

• Own end-to-end underwriting strategies for new accounts in Mexico to grow the business while controlling net loss.
• Collaborate with partners to enhance value, customer experience, and regulatory adherence.
• Interact with Risk Management, Operations and Marketing to develop and implement credit strategies.

Conocimientos

Leadership

Analytical thinking

Communication

Cross-functional collaboration

Adaptability

Decision making

Stakeholder management

Descripción del empleo

You Lead the Way. We’ve Got Your Back. At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.

Job Description

You Lead the Way. We’ve Got Your Back. At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. American Express Credit and Fraud Risk (CFR) leads end-to-end credit risk management of our consumer and commercial businesses. This entails developing and implementing strategies across customer life cycle - targeting, underwriting, credit limit management, ongoing customer management and collection activities to deliver profitable business growth without adverse surprises while providing an outstanding customer experience. We use cutting edge analytical techniques to generate insights from data to drive optimal decisions that balance growth with acceptable risks. The team works in close partnership with cross-functional teams across geographies and interacts extensively with external entities such as credit bureaus, new data providers and start-ups to develop and implement products and strategies.

Responsibilities

• Own end-to-end underwriting strategies for new accounts in Mexico to profitably grow the consumer and commercial businesses while controlling net loss provision.
• Collaborate with and influence business partners to enhance the value proposition, improve customer experience, and strengthen adherence to regulatory and compliance requirements.
• Effectively interact and collaborate with colleagues from the central Risk Management organization, as well as Operations and Marketing teams, to develop, improve, and implement credit strategies and processes.
• Manage relationships and data strategy with local credit bureau(s) and other information providers, including monitoring data quality. A critical component of the role will be driving credit risk strategies and evaluating partnerships with data providers, fintechs, and other service providers that enhance credit risk processes.
• Develop a deep understanding of and closely monitor key indicators of credit performance across underwriting processes and their implications for emerging trends. Diagnose issues, identify opportunities for improvement and/or corrective action, conduct ad hoc analytics, and perform independent risk assessments to identify potential emerging risks and performance issues.
• Monitor and understand regulatory and industry developments and proactively identify potential threats and opportunities.
• Lead and inspire a team of successful managers and analysts, with responsibility for hiring, training, development, and performance assessment.

Qualifications

• 7+ years of experience in credit risk management, with an in-depth understanding of consumer and commercial businesses, the credit lifecycle, underwriting strategies, and credit metrics and processes.
• Demonstrated people leadership skills, with a track record of independently driving strategies and making sound decisions.
• Strong analytical skills and an innovative approach to solving both practical and theoretical problems.
• Intellectual curiosity, adaptability in a multifaceted environment, and the ability to reinvent processes and infrastructure.
• Ability to build strong working relationships, operate effectively in large cross-functional teams, and influence colleagues to drive change.
• Excellent written and verbal communication skills, with the ability to synthesize key points and influence decision-making.
• A positive “will to win” attitude and the ability to excel in dynamic, high-pressure environments, navigate ambiguity, and prioritize based on business impact.
• Ability to communicate and interact effectively with all levels of the organization, as well as with external partners.
• Ability to assess internal and external factors, connect them effectively, and develop appropriate business and risk management strategies.

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

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.

About The Team

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

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