Job Details

Analyst-Risk Management

New York, NY, United States(Hybrid)

Job Description

American Express Global Commercial Services (GCS) is a leading issuer and provider of Commercial products and services. GCS provides a suite of payment and lending products, solutions for travel and everyday spending, cross border payments, global currency solutions, and business financing. The Commercial Credit Risk team in the Credit & Fraud Risk (CFR) organization is responsible for powering the GCS business by defining the GCS Risk strategy while delivering a superior customer experience.

This position is focused on Small Business New Accounts Underwriting and brings an exciting opportunity to define the underwriting policies, onboarding process for small businesses and cross-selling to existing customers. Within the broader credit risk organization, this team supports the success of the Global Commercial Services business unit through innovative solutions that help enable profitable growth via acquisition while maintaining robust low tenure credit performance. The role is highly visible and will require strong collaboration across a variety of functions, including but not limited to Risk, Product, Marketing, Decision Science, Compliance, etc. to develop best in class strategies and capabilities to support our customers.

Responsibilities

• Be responsible for new accounts decisions for US Commercial Small Business Products from a risk perspective - this includes analytics, strategy, and capabilities, across new accounts and existing customers.

• Drive Core Underwriting risk strategies to determine approval and decline decisions for customer applications leveraging core risk infrastructure include risk models, lending capabilities and bureau information.

• Partner with marketing partners and targeting teams to harmonize underwriting and targeting.

• Work with and influence Product, Marketing, and Finance teams within the GCS organization and broader credit and fraud risk organization to design and implement critical initiatives that enable prudent and profitable growth while controlling for through-the-cycle volatility.

• Ensure control, compliance, and operational risk mitigation in all processes and design for a streamlined user experience across customer touch points.

Qualifications

• Bachelor's degree in a quantitative field such as Econometrics, Statistics, Mathematics, Operations Research, Engineering, or Computer Science

• Blend of analytical skills, process expertise, project management, and relationship-building skills

• Ability to handle large datasets using SAS, SQL, R, Python or another similar programming language

• Ability to think strategically and apply both quantitative methods and business insights to drive results

• Clear, effective written and oral communication skills

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.

Job Info

• Job Identification 26006729

• Job Category Risk

• Posting Date 05/07/2026, 12:26 PM

• Apply Before 05/14/2026, 05:00 AM

• Degree Level Bachelor's Degree

• Job Schedule Full time

• Job Shift Day

• Locations AMEX World Financial Center, New York, NY, 10285, US(Hybrid)

• Salary Range $65500 - $102500 annually + bonus + benefits

• Career Area Analytics & Risk Management