Manager-Risk Management

Job Description

American Express Global Commercial Services (GCS) is looking for a high-impact Manager to help scale our next-generation digital underwriting and onboarding capabilities for U.S. Corporate and Middle Market clients.

This role sits at the center of a critical transformation agenda, shaping how we acquire customers, make real-time credit decisions, and deliver a seamless, unified onboarding experience across channels.

Building on recently launched foundational capabilities, this role will help expand and unlock the full acquisition funnel, driving GCS New Accounts Acquisition (NAA) and spend ambitions through advanced data integrations, smarter risk strategies, and seamless customer experiences.

You will operate at the intersection of Risk, Product, Technology, Decision Science, and Sales, playing a key role in balancing growth and credit performance while influencing a high-visibility enterprise priority.

Responsibilities

• Own and drive end-to-end performance of the digital onboarding and underwriting funnel, balancing growth and risk outcomes
• Identify and unlock opportunities to expand the acquisition funnel, improve conversion, and reduce friction across customer journeys
• Apply strong risk judgment to complex scenarios while evolving underwriting strategies and policies
• Generate data-driven insights to optimize performance and influence decision-making at senior levels
• Partner with Product and Technology teams to design and deliver new capabilities, including external data integrations (e.g., bank connectivity) and enhanced customer experiences
• Translate business and risk needs into clear execution plans, features, and requirements
• Drive test-and-learn experimentation to improve funnel performance, decision accuracy, and operational efficiency
• Collaborate across Sales, Marketing, Risk, Decision Science, and Technology to deliver a seamless, unified channel experience
• Proactively manage dependencies, trade-offs, and cross-functional blockers to ensure timely delivery
• Ensure strong governance, controls, and regulatory compliance while enabling innovation

Qualifications

• 4–8 years of experience in risk management, underwriting, or financial services
• Strong understanding of commercial / corporate credit risk and underwriting fundamentals
• Proven ability to analyze data and translate insights into action
• Experience working across cross-functional teams (Product, Tech, Risk, Data, Sales)
• Strong ownership mindset and execution focus in fast-paced environments
• Excellent communication and stakeholder management skills

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.