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How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you're finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.
As part of the Credit and Fraud Risk organization, the US Consumer Collections Strategy team is responsible for managing credit policies for delinquent and written-off accounts and developing best-in-class collection tools like financial relief program or a late-stage collection tools. These strategies and tools directly impact the business profitability through improved credit performance and collections results. The team is also responsible for ensuring on-going monitoring and improvement of credit and collection processes and policies.
The incumbent will work in a team responsible for developing and deploying new credit actions for accounts in delinquency and credit collection process, financial relief program (FRP) or managing critical processes like I-collect strategy, re-age, Deceased Collection Strategy. The incumbent will also be responsible for ensuring on-going monitoring and improvement of credit and collections processes and policies.
How will you make an impact in this role?
The Manager position in US Consumer Collection Strategy team is responsible for building collection tools and strategies for managing financially stressed accounts better. This would involve deriving insights from various portfolio trends and using those to identify core enhancements to existing programs or create new best-in-class strategies to reduce write-offs as well as provide better customer experience.
Responsibilities
Work in a team responsible for developing and deploying new credit actions for accounts in delinquency and credit collection process including financial relief program, ICollect Strategy, Reage, Deceased collections amongst others.
Partner with several stakeholders including GSG Strategy, Operations, Compliance, Modelling team amongst others to effectively refine strategies and launch changes to market
Manage customer escalations and issue resolution in a timely manner, thereby providing best in class customer experience
Track program performance and ensuring better management of credit policies
Building relevant KRIs to be able to properly control the different processes
Produce relevant analysis to identify the latest trends in the portfolio
Minimum Qualifications
4+ Years of Relevant/Related Work Experience
Strong analytical discipline, solution-oriented mindset, and focus on outcomes
Previous experience leading and performing analysis using SQL, Python or similar.
Proficiency in Google Cloud/Lumi/SQL coding for data extraction and manipulation
Strong knowledge of Excel and PowerPoint
Well organized, manage multiple initiatives simultaneously and keep adequate prioritization.
Ambitiousness to learn, self-learner of new technologies and usage of digital platforms.
Clear, effective written and oral communication skills
Ability to work in a dynamic and cross functional environment, interacting with and influencing senior leaders, partners in risk management, global servicing network, compliance and legal.
Team player mentality with a track record of building relationships and collaborating with cross-functional business partners
Drive results and problem solving.
Preferred Qualifications
Advanced degree in Engineering/Economics/Econometrics
Knowledge of customer management strategies
Strong working knowledge of Amex risk systems
Salary Range: $80,000.00 to $155,000.00 annually + bonus + benefits
The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.
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
6% Company Match on retirement savings plan
Free financial coaching and financial well-being support
Comprehensive medical, dental, vision, life insurance, and disability benefits
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
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
For a full list of Team Amex benefits, visit ourColleague Benefits Site.
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
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Employment eligibility to work with American Express in the U.S. is requiredas the company will not pursue visa sponsorship for these positions.
