08/02 American Express Recruitment Team
Recruitment Team at American Express

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American Express - Business Analyst/Assistant Manager - International Commercial Lending (0-3 yrs)

Gurgaon/Gurugram Job Code: 662876

Job Description :


Function Description :


International Commercial Card Lending is a critical position on the Global Commercial Services (GCS) Risk Management team and is responsible for driving profitable growth for GCS


Purpose of the Role :


This position will play a key role in supporting the growth goal and helping to launch multiple lending products across markets. The incumbent will be responsible for managing credit line underwriting and feature cap underwriting as well as designing, building, and enhancing line strategies, capabilities and processes to manage and monitor risk prudently across the customer lifecycle as it relates to small business proprietary and co-branded credit cards. This position requires close partnership with Product, Marketing, Operations, Technologies, Finance and other functional risk teams to develop lending growth strategies that serve our small business customers- needs while minimizing credit losses


Responsibilities :


- Manage core credit limit underwriting decisions and related functions, including; prospect initial line, customer initial line, proactive line increase, reactive line increase and line reallocation


- Manage risk across line decisions through quantitative analysis and building efficient business processes and flexible capabilities


- Identify new opportunities to support credit line underwriting for small businesses while continuing to enhance existing underwriting decisions by incorporating new information, techniques, and change factors


- Partner across Risk Management and with Product, Marketing, Finance, and Operations teams to design and implement lending strategies that enable profitable growth while controlling for through-the-cycle volatility


- Drive in-depth analytics and collaborate with the Decision Science team to enhance economic logic that supports core risk management decisions


- Build and deploy the next generation of risk management tools and capabilities to deliver industry-leading credit quality and to enable accelerated profitable growth


Critical Factors to Success :


Business Outcomes :


- Drive billing, revenue growth and profitability through advanced analytical techniques


- Maximize business returns by institutionalizing efficient and accurate models.


Leadership Outcomes :


- Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers,

partners, colleagues & shareholders.


- Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings


- Demonstrate learning agility, make decisions quickly and with the highest level of integrity


Qualifications :


Past Experience :


- 0-3 years relevant experience in Analytical Skills


- Preferred : SAS, SQL, R, Python programming


Academic Background :


- Post Graduate Degree in Statistics/Mathematics/Economics/ Engineering/Management


Functional/Technical :


- Analytics & Insights & Targeting


- R, Python, Hive, Pyspark SAS, SQL


- Advanced Statistical Techniques


- Hands on programming and ability to design


Platforms :


- Big Data


- Cornerstone


- Teradata


- BlueLight


Behavioral :


Enterprise Leadership Behaviors


- Set The Agenda : Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective


- Bring Others With You: Build the Best Team, Seek & Provide CoachingFeedback, Make Collaboration Essential


- Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage


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