This role is for Sr Manager in Commercial Portfolio Analytics focused on US Small Business Card Portfolio. The core responsibilities of the candidate will be the tracking and monitoring of key portfolio credit risk metrics, proactively identifying emerging risk, root cause analysis to decode risky trends and partnering with functional strategy owners to influence risk strategy.
Responsibilities
Insight Driven Complex Analytics
Lead US SBS portfolio analytics to track performance, identify key risk indicators and pre-emptive risk identification for Commercial CCO
Perform deep dives on trends, translate complex data into actionable business insights that inform Senior leadership about emerging risk trends
Lead development of executive-level risk reporting, governance materials and regulatory asks with utmost attention to detail
Unstructured Problem Solving
Partnering with Functional strategy to drive meaningful deep dives due to strategy changes for US SBS portfolio and assess its impact to portfolio KPIs .
Manage the Multiple Regulatory deliverables like Risk Classification,
CFRC in line with 2 LOD guidelines, maintaining solid partnership across 2nd LOD, Consumer & International portfolio teams. Build frameworks for RCA of breach/buffers of Key KPIs to share with regulators.
Unlock opportunities for leveraging secondary data sources/tools for impact to delinquencies and write offs
Market /Competitive Intelligence
Maintain deep expertise in sources of competitive /market data sources --D&B;, Aacer, Beckett & Lee, Experian ONS, Argus, Sandbox, US courts etc.
Leverage external benchmarking and emerging trends to anticipate opportunities and inform leadership
Strong Collaboration/Agility
Partner with Credit Risk Functional teams, Consumer, Finance, RPDS, Blue light teams, GRC, CCAR etc.
Demonstrate adaptability to new tools /process like Power BI/GenAI preferred to enhance forward-looking risk assessment capabilities
Qualifications
4+ years of experience in Commerc
📌 Senior Manager-Risk Management (Bengaluru)
🏢 American Express
📍 Bengaluru
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