Senior Manager – Risk Management

American Express

. Assess merchant exposures through financial and business model reviews, discussions with merchants and Client Managers, and analysis of relevant external information .

Posted 10/9/2026full-timeNew York City • New York • United StatesSenior💰 $103,750 - $174,750 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in commercial credit risk management, with strong analytical and financial acumen to assess merchant exposures and implement risk mitigation strategies. Proficient in managing large client portfolios and leading negotiations with C-suite executives while transforming complex data into actionable insights.

Highest-signal resume keywords

Commercial Credit Risk ManagementFinancial Statement InterpretationNegotiation SkillsClient Portfolio ManagementSQL Proficiency

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Analytical SkillsQuantitative SkillsFinancial AcumenRisk Mitigation StrategiesProject Management

Soft Skills

Relationship-BuildingCommunication SkillsProblem-SolvingTime Management

Certifications & Qualifications

MBARelevant Certification

Industry Keywords

Merchant-Acquiring RiskCommercial Credit UnderwritingC-Suite PresentationsRisk Management Processes

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Assess merchant exposures through financial and business model reviews, discussions with merchants and Client Managers, and analysis of relevant external information
Independently manage a sizeable portfolio of large merchant clients
Identify exposures and implement appropriate risk mitigation strategies
Prioritize higher-risk merchants representing billions of dollars in credit exposure and establish action timelines
Collaborate with internal partners to obtain financial information, prepare review cases, support escalations, and make risk mitigation decisions
Lead complex negotiations with merchant CEOs, CFOs, and other C-suite executives
Partner with Client Management, GCO, and other internal stakeholders to negotiate card acceptance agreements
Advise internal stakeholders on best practices and key portfolio risks
Transform large, complex data sets into meaningful reports and executive-ready presentations
Complete ad hoc assignments focused on mitigating risk across the GMNS portfolio
Collaborate on projects designed to enhance risk management processes and controls

Requirements

What you’ll need

5+ years of commercial credit risk management experience
Ability to work independently, manage time effectively, and solve problems amid rapidly changing priorities
Ability to navigate high-pressure, urgent, complex, and ambiguous situations independently while balancing stakeholder needs
Strong relationship-building and communication skills
Analytical, quantitative, negotiation, financial, and technical skills
Ability to manage a sizeable client portfolio
Strong financial and analytical acumen, including knowledge of credit and/or accounting
Proficiency in interpreting financial statements
Employment eligibility to work with American Express in the United States; the company will not pursue visa sponsorship
MBA, relevant certification, or equivalent professional experience preferred
Experience in merchant-acquiring risk, client management, or commercial credit underwriting across multiple industries preferred
Experience presenting complex credit metrics to C-suite stakeholders preferred
Project management experience and ability to collaborate across large business units preferred
SQL proficiency or willingness to learn preferred

Benefits

Comp & perks

Annual salary plus bonus
Benefits