Credit Risk Manager Nordics

Stockholm - Sweden

Monthly Salary: Not Disclosed

Posted on: 13 hours ago

Vacancies: 1 Vacancy

Job Summary

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 youll 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.

The Credit & Fraud Risk (CFR) makes the right credit and fraud risk decisions that uphold operational excellence drive growth and accelerate innovation. They are a vigorous and powerful resource for analytics.

How will you make an impact in this role

The role of a Risk Manager will be essential to business and customer decisions we make big and small!

As a key member of our Risk Management team you will have the power to identify develop and implement strategies and capabilities for risk assessments.

By using our rich data and collaborating with other departments such as Compliance Legal and Data Privacy you will manage the Net Loss Provision by ensuring effective execution of strategies and policies for the consumer card businesses in the Nordics

This will require a good understanding drivers of the credit indicators and the implications on trends/forecast and monitoring the true experience of customers in the market diagnosing problems and seeing opportunities for improvement and then working with partners to implement.

Our risk colleagues are spread across the world and a great opportunity to learn and deploy standard processes from other regions. You will implement risk-driven strategies to profitably grow billed business reduce unnecessary point of sale disruptions and improve the customer experience in close collaboration with central Risk teams that develop state of art decision science tools and risk capabilities. Given the strong business focus on digital youll be working at the forefront of digital innovation to realize new strategies that drive customer acquisition and engagement.

It is a prerequisite to have strong local knowledge of the Nordics (Sweden primarily) to ensure risk strategies are tailored to regional market dynamics regulatory environments and customer behaviors. Understanding local credit indicators and consumer trends is essential for diagnosing issues identifying opportunities and implementing effective solutions for the region.

This is both an exciting and rewarding role that offers a unique opportunity to gain experience across the Credit Risk life-cycle and to interact with a wide range of business partners across all levels within the organization.

Minimum Qualifications

Advanced degree in business finance statistics economics mathematics or equivalent experience in a similar business
Fluent proficiency in Swedish and English
Experience in developing strategic insights demonstrating data analytics
Experience in SQL Python or similar
Deep understanding/experience of risk management principles
Experience in unsecured consumer lending or in the payments industry

Preferred Qualifications
Strong analytical and problem-solving skills with strong thought leadership and the ability to manage multiple projects simultaneously
Self-starter with an ability to work in a dynamic fast changing environment with a strong attention to detail communicate effectively and work well in a cross-functional environment
Demonstrated interpersonal skills and able to work effectively in a matrix environment
While not a requirement we value candidates who have demonstrated leadership capabilitieswhether through managing teams or driving initiatives. If you bring that experience it will be considered a strong asset.

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.

Required Experience:

Manager