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Job Description:

Business Analyst/Assistant Manager - US Consumer New Accounts Locations Gurgaon, India

Categories Operations Categories Risk Management

Job Description

Why American Express

Theres a difference between having a job and making a differenceAmerican Express has been making a difference in peoples 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

Weve 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 theyre ready to take on a new career path, were 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

Dont make a difference without it

Dont live life without it

Function Description
The US Consumer New Accounts team within CFR is responsible for developing and implementing Underwriting Strategies for prospects and customers The team works very closely with marketing, decision science and technology teams to develop, implement, monitor and manage underwriting strategies
The CFR team helps drive profitable business growth by reducing the risk of fraud and maintaining our customers confidence in the security of our products It utilizes an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending and provide a world-class customer experience The team leads efforts that leverage data and digital advancements to improve service and risk management as well as enable commerce and drive innovation CFR is responsible for developing and monitoring statistical models for predicting individual and commercial behaviors such as credit risk, fraud risk, spending and revolve These models are used for key business decisions made across the customer life cycle to manage risk and accelerate profitable business growth Underpinning our growth as a company are the tools and capabilities that ensure we prudently take and manage risk in a viable way
Purpose of the Role
A role with US Consumer New Accounts within CFR at American Express offers the unique opportunity to work on developing profitable New Account Underwriting Strategies (Economic Logic) for US The team works very closely with US Risk teams, Decision Science and Technology teams to implement, monitor and manage the strategies & processes

Responsibilities
1 Enhance existing New Accounts underwriting strategies
2 Drive profitable strategies at acquisition driven by economics of life time value
3 Elevate customer experience by providing seamless underwriting and on-boarding experience
4 Continuous monitoring of risk trends across the portfolio and more specifically for marginal population
5 Perform root cause analyses of concerning trends and identify performance drivers
6 Ensure adherence to compliance
7 Collaborate with multiple partners including enterprise digital analytics, new accounts decision science, new accounts operations, GSN etc

Critical Factors to Success
Ability to prioritize across multiple requests and continuously manage partner expectations
Ability to structure highly unstructured requests and convert the available information to into business implications and insights

Qualifications Past Experience
1 Years of Relevant/Related Work Experience with Consistent Track Record Of Strong Performance

Academic Background
MBA, Masters Degree In Economics, Statistics Or Related Fields From Top Tier Institute

Functional Skills/Capabilities
Ability To Drive Results
Strong Analytical & Problem Solving Skills
Excellent Communication and Relationship Building Skills
Demonstrated Ability to Work Effectively Manage and Integrate With Cross-Functional Business Partners Worldwide

Technical Skills/Capabilities
Advanced level used for Excel and PowerPoint
Proficiency with Programming in SAS / SQL / HIVE

Knowledge of Platforms
Experience working on Cornerstone

Behavioral Skills/Capabilities
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

Profile Summary:

Employment Type : Full Time
Eligibility : Any Graduate
Industry : Banking
Functional Area : Accounting/Tax/Company Secretary/Audit
Role : Audit & Risk
Salary : As per Industry Standards
Deadline : 07th Jan 2020

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