American Express - Business Analyst/Assistant Manager - Credit & Fraud Risk

Job Description :

Why American Express?

There's a difference between having a job and making a difference.American Express has been making a difference in people's lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.

We've also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they're ready to take on a new career path, we're right there with them, giving them the guidance and momentum into the best future they envision. Because we believe that the best way to back our customers is to back our people.

The powerful backing of American Express.

Function Description :

- Responsible Lending actions include line reduction, proactive cancellation, removing the revolve feature or placing a spending limit on a charge card product leveraging internal and external risk scorecards.

Purpose of the Role:

- Provide timely response to RLA customer complaints.

Responsibilites:

- The primary responsibility of the individual will be to review US Consumer Responsible lending actions related customer complaints and responding within stipulated SLA.

- Partner with multiple global partners across OPEN, ICS, Bureau and Decision Science teams to ensure response is sent to complaints that are outside of RLA purview.

- In addition the incumbent will support RLA related OREs and CAPs and letter review process to ensure Consumer RLA communciations continue to remain appropriate and relevant with changing strategies.

Critical Factors to Success:

- Address customer complaints within stipulated SLA

- Letters are reviewed and remain compliant

- Adequate support provided to meet ORE/CAP related timelines.

Qualifications :

Past Experience:

- 2-3 years of experience in credit risk function including strategy or operations is a must

- Strong working knowledge of Amex systems like CSP, CAS, NICE etc.

- Solid understanding of credit processes like case setups, authorizations and responsible lending actions

Academic Background :

- Solid academic background from top tier institutions

Functional Skills/Capabilities:

- Solid understanding of credit processes like case setups, authorizations and responsible lending actions

- Strong working knowledge of Amex systems like CSP, CAS, NICE etc.

- Strong written communication skills to articulate the reason for credit action and resolution while responding to complaints

- Excellent interpersonal skills to build relationships and work with multiple partners

Technical Skills/Capabilities :

- Strong working knowledge of Amex systems like CSP, CAS, NICE etc.

Knowledge of Platforms :

- Strong working knowledge of Amex systems like CSP, CAS, NICE etc.

Behavioral Skills/Capabilities :

- Excellent interpersonal skills to build relationships and work with multiple partners

- Strong written communication skills to articulate the reason for credit action and resolution while responding to complaints 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 Coaching Feedback, 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

Job type- Permanent

Industry Type - Operations

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