Manager – Risk Management

American Express

. Develop, implement, and optimize credit risk underwriting strategies across the new accounts acquisition lifecycle for consumer and commercial portfolios .

Posted 11/4/2026full-timeTokyo • JapanMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit risk management, underwriting strategies, and analytical frameworks, with a strong ability to leverage data for strategic decision-making and partnership building across diverse teams. Proficient in SQL, databases, and Excel, with a solid understanding of credit card business economics and portfolio profitability.

Highest-signal resume keywords

Credit Risk ManagementUnderwriting StrategiesSQL ProficiencyAnalytical InsightsRelationship Building

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AssessmentData AnalysisPredictive ModelingStatistical AnalysisFinancial Statement AnalysisMachine Learning TechniquesPortfolio Profitability EvaluationAcquisition Risk Metrics MonitoringAnalytical FrameworksCredit Loss Provisioning

Soft Skills

Communication SkillsPresentation SkillsInfluencing SkillsCollaboration SkillsProblem Solving Skills

Tools & Technologies

ExcelSQLDatabasesCredit Bureau DataFinancial Information

Industry Keywords

Financial ServicesConsumer PortfoliosCommercial PortfoliosRisk Governance StandardsRegulatory Compliance

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Develop, implement, and optimize credit risk underwriting strategies across the new accounts acquisition lifecycle for consumer and commercial portfolios
Monitor and manage key acquisition risk metrics, credit performance, and portfolio profitability
Identify emerging risks, assess expected and unexpected credit losses, and recommend strategies to improve portfolio profitability and support sustainable growth
Drive continuous enhancement of underwriting capabilities through improved use of internal and external data, credit bureaus, financial information, and advanced analytical techniques
Support strategic growth initiatives, including new product launches or refreshes, acquisition channels, and underwriting enhancements
Partner with central risk teams and local business stakeholders across product, marketing, technology, operations, and compliance
Serve as a key liaison between the Japan risk team and central risk teams, representing local market perspectives and translating market-specific insights, business priorities, and regulatory considerations into actionable risk strategies
Ensure adherence to applicable local laws and regulations, internal policies, and risk governance standards
Maintain awareness of evolving economic, regulatory, and competitive environments impacting the business

Requirements

What you’ll need

Strong relationship-building, communication, and presentation skills
Proven ability to build effective partnerships with internal and external stakeholders across marketing, product, sales, compliance, technology, legal, operations, and risk management teams
Demonstrated ability to influence business decisions and strategic outcomes through analytical insights and effective collaboration
Strong understanding of credit risk management processes, underwriting strategies, and analytical frameworks used to assess credit risk and evaluate the performance of new accounts acquisitions
Ability to develop a thorough understanding of relevant AXP production systems, analytical environments, products, and risk management capabilities
Understanding of credit card business economics, credit losses, provisioning, and key drivers of portfolio profitability
Proven ability to think and act at an enterprise level
Proven ability to navigate and collaborate across different teams and organizations to get things done with a strong sense of ownership and urgency
Proven ability to evaluate internal and external business factors and translate analytical insights into actionable risk management strategies
Proven ability to make timely, well-informed decisions while maintaining high standards of quality and risk discipline
5+ years of experience in analytical roles, preferably within credit risk management, financial services, or a related quantitative discipline
Strong analytical and problem solving skills with demonstrated experience using data to support business decisions
Proficiency in SQL, databases, and Excel; experience with Python is preferred
Experience working with credit bureau data, financial statements, bank statements, and other information used in credit risk assessment
Familiarity with statistical analysis, predictive modeling, and machine learning techniques is preferred
Bachelor's degree in Computer Science, Mathematics, Statistics, Engineering, Economics, Finance, or a related quantitative field preferred
Advanced degree in Business, Finance, Statistics, Economics, Mathematics, or a related field is preferred
Fluency in English is required
Japanese proficiency is preferred
Employment eligibility to work with American Express in Japan is required; the company will not pursue visa sponsorship for this position
Offer of employment is conditioned upon successful completion of a background verification check, subject to applicable laws and regulations

Benefits

Comp & perks

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