Job Description

This Finance position in the Credit & Fraud Risk Controllership (C&FRC) organization plays a critical role in protecting and assuring the integrity of AXP financial statements and proactively mitigating controllable financial risk. As part of a world-class Controllership group, the C&FRC organization is responsible for managing the end-to-end credit reserve process - from reserve adequacy assessment through external and regulatory reporting.

Purpose of the Role

The incumbent will be responsible for credit reserve accounting & reporting for the Commercial Services (CS) & US Consumer Services (USCS) portfolio. The role requires the ability to synthesize complex datasets, leverage modern analytical tools, leverage Gen AI and partner across a highly matrixed organization to drive financial control excellence.

Responsibilities

• Responsible for accurate and timely accounting of credit reserves.
• Responsible for Credit metrics reporting for senior management packs.
• Externally disclosed metrics and regulatory filings for Credit Reserves related to American Express and its subsidiaries, including related analyses.
• Partner and collaborate with CFR, Corporate Planning & Analysis teams to define and implement reserving methodologies.
• Perform analytics on big data to generate insights on credit metrics and drivers of performance.
• Support change management related to continuous improvement along with overall control and governance.
• Partner with Business, Network, and Technology teams to support platform modernization and automation initiatives.
• Support internal and external audit reviews and controls, including SOX - RCSA Management.
• Manage a team of 1-2 colleagues.

Qualifications

Technical Skills

• Understanding of System of Record (SOR) architecture, data flows, and governance frameworks that underpin financial reporting.
• Hands-on experience with big-data handling - including aggregation, computation, and validation of high-volume datasets across multiple platforms.
• Applied knowledge of Generative AI (GenAI) tools and techniques, including prompt engineering and AI-assisted analytics for finance use cases.
• Experience with credit reserves, portfolio analysis, financial modelling, and accounting.
• Strong working knowledge of financial and reporting tools such as Oracle, LUMI, Tableau, and TM1.
• Knowledge of AXP systems (e.g.,Triumph, Globestar, MARS) is a plus.
• Strong process orientation and analytical problem-solving skills; demonstrated process improvement experience.

Leadership & Interpersonal Skills

• Proven ability to operate and deliver in a matrix organization - influencing and driving outcomes without direct authority.
• Demonstrated skill in bringing others along - building consensus, coaching peers, and elevating team capability across functions.
• Excellent written and verbal communication skills; ability to translate complex financial and technical concepts into clear, actionable narratives for senior stakeholders.
• Results-driven, self-starter with strong collaboration and relationship-building skills.
• Effective leadership skills and commitment to mentoring, coaching, and developing direct reports.
• Ability to be flexible, prioritize multiple demands, and effectively manage in a dynamic, fast-paced environment.

Eligibility

• 5-7 years of accounting and reporting experience, including solid knowledge of US GAAP accounting, SEC, and Regulatory Reporting.
• Degree in Accounting / Finance; CPA or CA preferred.
• The incumbent should be tenured for a minimum of 18 months at Band 30 or Band 35 in the current role as of the application deadline.
• The incumbent should not be on Level 3 or above counselling at the time of applying.

About Us

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our 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.

About the Team

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.