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 American Express Third Line of Defense 3LOD has established a new Credit Risk Review function which is responsible for providing independent oversight and assurance to key Consumer Commercial credit risk portfolios The team aims to strengthen our risk management framework and ensure that we continue to uphold the highest standards of credit risk management across the enterprise This Credit Risk Review function would be supported by a strong Data Analytics team to enable data-driven and technology-led assurance We are looking for a agile tenured leader to lead oversee this Data Analytics team within Credit Risk Review on the 3LOD This individual will play a key role in enabling deeper more forward looking reviews through scalable analytics thematic insights strong stakeholder management Key Responsibilities Lead a team of 10 colleagues including managers and analysts to deliver analytics solutions that enable and enhance credit risk reviews across portfolios Drive portfolio level analytics to assess credit quality risk concentrations underwriting trends alignment with risk frameworks Enable thematic reviews and early risk identification by applying analytical techniques to structured unstructured data Design oversee development of dashboards visualizations and automated tools to support review execution reporting including executive level Collaborate closely with credit reviewers and cross functional stakeholders to frame analytic approaches interpret results co-develop narratives Ensure analytics are well documented repeatable and governed in line with internal standards and governance protocols Encourage support experimentation and innovation in applying AI ML including Natural language Processing and Gen AI to automate delivery uncover deeper insights Contribute to building a team culture of learning experimentation analytical excellence Champion career growth skill development and engagement for team members through targeted coaching training initiatives Qualifications 8 years experience in experience in credit risk data analytics internal audit or related fields commercial and or retail credit exposure preferred Proven track record in leading inspiriting diverse multi-level teams including managers to deliver high impact results Experience in portfolio analytics including segmentation risk concentration analysis and forward looking risk indicators Ability to shape and execute multi-year analytics roadmaps aligned to organizational risk strategy Proven influence at senior stakeholder levels to secure alignment resources and cross functional collaboration Strong technical skills in Data analytics coding automation e g SQL Hive Big Query Python Working knowledge of Machine learning techniques including Natural Language Processing and Gen AI applications Hands on experience with Data Visualization tools and Dashboarding Tableau Power BI with a focus on compelling audience-oriented storytelling Effective storytelling and ability to translate complex data outputs into clear actionable insights tailored to credit risk reviewers and non-technical audiences Experience applying analytics to risk assessment issue identification or internal reviews in a regulated environment Familiarity with working in a control-oriented environment with clear documentation and governance expectations 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 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 Offer of employment with American Express is conditioned upon the successful completion of a background verification check subject to applicable laws and regulations

📌 Director - Credit Risk Analytics (Haryana)
🏢 American Express
📍 Haryana