Job Location: Gurugram
You Lead the Way. We’ve Got Your Back.
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. This is a Band 35 role
This is a Band 30 role
This is an opportunity to be part of the Credit and Fraud Risk Controllership (C&FRC) team. The individual will directly contribute to the successful implementation of various system enhancements, analytics and automated reports.
Purpose of the role:
As part of a world-class Controllership group, the C&FRC organization is responsible for managing end to end credit and fraud process from reserve adequacy assessment through to the external and regulatory reporting.
Additionally, the C&FRC processes underwent a significant change with the implementation of IFRS9 effective January 2018 and CECL effective January 2020. The incumbent will work closely with Controllership, Risk Decision Science, Risk Finance, Technologies, and other groups responsible for day-to-day deliverables.
This role will support tech development of various features for credit reserving, disclosures and management reporting as a Business Specialist and will form a part of the Product Owner (PO) Group within the C&FRC organization.
Responsibilities:
- Communicate with multiple stakeholders across the organization to create and communicate the vision, value and priorities of the product and collaborate closely and constantly with the development team and broader product owner team on the delivery of product features
- Understand the needs of the business / users with respect to the product/features and decide, in consultation with, leadership on feature and functionalities critical to the business
- Participate in leadership meetings and clearly articulate the strategic vision for addressing the business requirements
- Ensure actionable user stories are created including clear acceptance criteria
- Ensure prioritization of user stories for sprint planning and backlog refinement meetings.
- Actively participate in the sprint planning, backlog refinement and sprint review meetings
- Attend daily stand-ups and answer questions and remove impediments
- Support user acceptance testing, parallel run testing, and any other testing required to ensure the build meets the requirements authored including development and execution of test cases, and documentation of results
Critical Factors to Success:
- Stay relevant & agile to business / functional requirements.
- Lead with a digital mindset – understand, leverage & implement technical changes
- Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders
- Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings
Past Experience:
- Experience in areas like project management, process governance, control & compliance or accounting and reporting is required
- Testing management and execution experience is a plus
- Agile trained is a plus
- In addition to above, experience with credit reserves and portfolio analysis, financial modeling and accounting is a plus
- Experience with financial reporting requirements and processes
- Exhibits organizational skills with the ability to meet/exceed critical deadlines and manage multiple deliverables simultaneously
- A self-starter, proactive team player with a passion to consistently deliver high quality service and exceed customers’ expectations
- Excellent Communication Skills; Verbal, Written
Academic Background:
- 5-6 years of project work experience or accounting and reporting experience
- Experience with implementing / supporting large scale changes
- Degree in Accounting / Finance / MBA
Functional Skills/Capabilities:
- Strong process orientation and analytical problem-solving skills, demonstrated process improvement
- Excellent written and verbal communications skills, strong collaboration and relationship skills
- Excellent relationship building, presentation and collaboration skills
Technical Skills/Capabilities:
- Analytical and problem-solving skills
- Knowledge of financial systems
- A good understanding of the banking products is a plus
- SAS, SQL, HIVE and data analysis experience is a plus
- Awareness of relevant US GAAP/Local GAAP/IFRS
Behavioral Skills/Capabilities:
- Results driven, self-starter, able to lead and influence without direct authority
- Ability to be flexible, prioritize multiple demands, and effectively manage in a matrix organization
- Strong leadership skills
Enterprise Leadership Behaviors:
- Set the Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective
- Bring Others with You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential
- Do It the Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected 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
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