Manager-Controller [Credit & Fraud Risk Controllership]

This Finance position in the Credit & Fraud Risk Controllership (C&FRC) organization plays a critical role in protecting and assuring the integrity of AXP financial statements and proactively mitigating controllable financial risk. As part of a world-class Controllership group, the C&FRC organization is responsible for managing the end-to-end credit reserve process — from reserve adequacy assessment through external and regulatory reporting. 

Purpose of the Role 

The incumbent will be responsible for credit reserve accounting & reporting for the Commercial Services (CS) & US Consumer Services (USCS) portfolio. The role requires the ability to synthesize complex datasets, leverage modern analytical tools, leverage Gen AI and partner across a highly matrixed organization to drive financial control excellence. 

• Responsible for accurate and timely accounting of credit reserves. 
• Responsible for Credit metrics reporting for senior management packs. 
• Externally disclosed metrics and regulatory filings for Credit Reserves related to American Express and its subsidiaries, including related analyses. 
• Partner and collaborate with CFR, Corporate Planning & Analysis teams to define and implement reserving methodologies. 
• Perform analytics on big data to generate insights on credit metrics and drivers of performance. 
• Support change management related to continuous improvement along with overall control and governance. 
• Partner with Business, Network, and Technology teams to support platform modernization and automation initiatives. 
• Support internal and external audit reviews and controls, including SOX - RCSA Management. 
• Manage a team of 1–2 colleagues. 

Technical Skills 

• Understanding of System of Record (SOR) architecture, data flows, and governance frameworks that underpin financial reporting. 
• Hands-on experience with big-data handling — including aggregation, computation, and validation of high-volume datasets across multiple platforms. 
• Applied knowledge of Generative AI (GenAI) tools and techniques, including prompt engineering and AI-assisted analytics for finance use cases. 
• Experience with credit reserves, portfolio analysis, financial modelling, and accounting. 
• Strong working knowledge of financial and reporting tools such as Oracle, LUMI, Tableau, and TM1. 
• Knowledge of AXP systems (e.g.,Triumph, Globestar, MARS) is a plus. 
• Strong process orientation and analytical problem-solving skills; demonstrated process improvement experience. 

Leadership & Interpersonal Skills 

• Proven ability to operate and deliver in a matrix organization — influencing and driving outcomes without direct authority. 
• Demonstrated skill in bringing others along — building consensus, coaching peers, and elevating team capability across functions. 
• Excellent written and verbal communication skills; ability to translate complex financial and technical concepts into clear, actionable narratives for senior stakeholders. 
• Results-driven, self-starter with strong collaboration and relationship-building skills. 
• Effective leadership skills and commitment to mentoring, coaching, and developing direct reports. 
• Ability to be flexible, prioritize multiple demands, and effectively manage in a dynamic, fast-paced environment. 

Eligibility 

• 5–7 years of accounting and reporting experience, including solid knowledge of US GAAP accounting, SEC, and Regulatory Reporting. 
• Degree in Accounting / Finance; CPA or CA preferred. 
• The incumbent should be tenured for a minimum of 18 months at Band 30 or Band 35 in the current role as of the application deadline. 
• The incumbent should not be on Level 3 or above counselling at the time of applying.