Manager-Risk Management

Credit and Fraud Risk (CFR) is a global function responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth and accelerate innovation across American Express. CFR combines technology, infrastructure and advanced analytical capabilities to enable effective risk decisions and deliver superior customer experiences. The said role is in the India Chief Credit Officer’s team, which owns the credit loss provisions for the corporate portfolio in India. The position is to lead the Customer Management function within the Corporate CCO team and would entail partnering with the CFR-COE teams and external vendors to develop, test and deploy superior credit risk capabilities and strategies. The role requires a close collaboration with corporate Business and Operations teams to drive growth in the market and maintain customer experience, all while partnering with legal, compliance and second line teams to ensure regulatory compliance at all times

Responsibilities

• Own end-to-end Customer Management strategy framework in Fiserv and Jocata platforms for Corporate portfolios
• Develop, configure, test and implement credit risk decisioning rules and strategies across Fiserv and Jocata platforms, ensuring accurate and effective execution.
• Leverage deep functional expertise in TRIAD, Falcon and FAS to translate business and credit risk policies into executable strategies.
• Leverage deep functional expertise of Fiserv data in LUMI for carrying out in-depth portfolio analytics along with developing robust process controls.
• Partner closely with Fiserv SMEs , Collections, Technology, Business, and servicing teams to drive strategy enhancements, resolve technical and functional dependencies, troubleshoot execution issues and ensure seamless implementation of customer management strategies.
• Design and optimize strategies focused on Net Loss Provisioning (NLP), credit risk mitigation, CBO prevention and collections effectiveness, while balancing portfolio performance and customer experience.
• Demonstrate a strong understanding of credit and CBO decisioning strategies, ensuring appropriate differentiation of strategy objectives, triggers, decision logic and customer impacts.
• Proactively identify strategy execution gaps, rule errors and unintended customer impacts; drive root-cause analysis, timely remediation and sustainable fixes.
• Lead comprehensive testing, validation and post-implementation monitoring to ensure strategy accuracy, data integrity and platform stability.
• Ensure strategies and rule implementations adhere to internal risk policies, regulatory requirements, and established control standards.

Qualifications

• Strong hands-on SME expertise in TRIAD, Falcon and FAS is mandatory, including strategy configuration, rule writing, testing and implementation.
• Proven experience across Customer Management functions — Authorization, CASE, RLA, Collections
• In-depth hands-on expertise & understanding of Fiserv LUMI tables and variables will be necessary.
• Prior experience with commercial portfolios and understanding of industry dynamics