Director Risk Management (Chief Credit Officer)

Overview

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.

American Express is a global service company, providing customers with exceptional access to products and experiences that enrich lives and build business success.

We are looking for a senior level Credit Risk professional to join our Rome office as Director and Chief Credit Officer Italy. The individual will lead a team of credit risk managers and analysts to drive the go-forward strategy credit strategy supporting the Consumer and Commercial business units. As a key member of the European Credit Risk Management organisation you will sit on the local country executive team and be responsible for the Credit Risk Management and Credit Loss provision in the market. You and the team you will lead, and work closely with business partners such as marketing, sales, account development, operations, compliance etc to deploy risk solutions to business problems. This will require a deep understanding of managing consumer and commercial credit risk as well as strong stakeholder management skills.

How you will make an impact in this role?

Responsibilities

• Own the credit risk performance for the Italian consumer and commercial portfolios (including Net Loss Provision and Loss Coverage ratios)
• Develop and implement Credit Risk Strategies across the customer lifecycle from acquisition through to collections
• Lead a team monitoring economic performance across all portfolio segments and partner with Global Strategy teams to identify improvement opportunities in risk strategies and capabilities
• Possess in-depth understanding of the economics of the business unit, as well as the marketplace, including the economy, competition, and regulatory requirements
• Ensure Credit Risk Management capabilities are aligned with the strategic growth initiatives, including launch of new business practices, products and services
• Demonstrate thought leadership on the consumer and commercial payments landscape and long term strategies for new growth areas (consumer card lending, commercial supplier payments, instalment lending)
• Lead in-depth analytical projects using large amount of data to find patterns and trends that lead to smarter business decisions
• Focus and invest deeply in talent development and team culture

Minimum qualifications

• Credit Risk Management experience with ownership for portfolios of significant volumes
• Consumer or SME lending experience
• Excellent communication, negotiation and influence management skills; extensive experience in top-level executive interactions
• Strong collaborative skills to partner across geographies and time zones
• Well-rounded understanding of data exploration and statistical techniques and at least worked with one statistical program like SQL, C++, Python
• Strong analytical and people management skills with a passion for developing and coaching new talent
• Fluency in Italian and English required

Benefits

• 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.

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