Description

　　You Lead the Way. We’ve Got Your Back.

　　With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

　　At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

　　Join Team Amex and let's lead the way together.

　　As a key member of our Risk Management team, you will work closely with risk colleagues in Europe and International to learn and deploy best practices from other regions.

　　This is a senior analyst/senior analyst role will be a part of a highly motivated Credit Risk Management team responsible for driving underwriting and customer management model in France

　　Challenges will include developing and designing winning strategies and applications that will elevate Amex to the forefront of small business and corporate financing. The position will require the incumbent to support new risk capabilities and commercial products & services to drive growth and profitability.

　　Responsibilities will include:

　　Monitoring credit metrics, providing insights for portfolio trends, and executing various risk strategies.

　　Contribute to the development and validation of risk underwriting models, ensuring accuracy and effectiveness in assessing various types of risk

　　Monitor and analyze the performance of existing risk underwriting models, identifying areas for improvement and implementing necessary adjustments.

　　Collaborate with cross-functional teams to enhance risk management strategies, providing insights and recommendations based on data analysis and industry best practices.

　　Conduct comprehensive risk assessments, identifying potential risks and proposing mitigation strategies to safeguard the organization's financial health.

　　Communicate complex risk-related concepts to both technical and non-technical stakeholders, fostering a clear understanding of risk exposure and mitigation strategies.

　　Stay abreast of industry trends, emerging risks, and advancements in risk management methodologies to continuously improve and adapt the risk underwriting framework.

　　To be involved in monitoring and analysing credit risk strategies, policies and procedures to support the business at the legal entity level (including the preparation of reporting to support local and central functions in defining the most appropriate initiatives)

　　Monitoring and periodical evaluation of the first level credit risk control as per the governance framework

　　Responsible for the updating of the operating procedures

　　Qualifications:

　　Bachelor's or advanced degree in a relevant field (e.g., Finance, Statistics, Risk Management).

　　At least 3-4 years of experience in a financial services organization in credit risk management working on consumer credit/lending in France

　　Experience in model validation and monitoring activities

　　Proven experience in contributing to the development and validation of risk underwriting models.

　　Strong analytical skills, with the ability to interpret complex data sets and draw meaningful conclusions.

　　In-depth knowledge of regulatory requirements related to risk management in the financial industry.

　　Excellent communication and interpersonal skills for effective collaboration with various stakeholders.

　　Demonstrated ability to lead initiatives, make strategic decisions, and implement changes in response to evolving risk landscapes.

　　Professional certifications such as FRM (Financial Risk Manager) or similar are highly desirable.

　　Proficiency in relevant software and programming languages for data analysis and modeling.

　　Fluent in English / French

　　Strong programming skills (SQL as a minimum), experience with Big Data programming languages such as R, PYTHON a plus

　　Qualifications

　　We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

　　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.

　　Job: Risk

　　Primary Location: France-France-Rueil-Malmaison

　　Schedule Full-time

　　Req ID: 24000320