Director-Risk Management

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.

How will you make an impact in this role?

• Own the credit risk performance for the consumer and small business portfolios (including Net Loss Provision and Loss Coverage ratios)

• Develop and implement Credit Risk Strategies across the customer life-cycle from acquisition through to collections

• Lead a team monitoring economic performance across all portfolio segments and partner with the center of excellence 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 payments landscape and long-term strategies for new growth areas (consumer credit directive, card lending, installment 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

• Fluency in Swedish and English required

• Credit Risk Management experience with ownership for portfolios of significant volumes

• Strong understanding of Credit regulation in Europe and in the markets under the role responsibility

• Consumer or Small 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 Swedish and English required

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

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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.