Director, AEBC CRO

Global Risk & Compliance (“GRC”) independently oversees the company’s compliance, risk -taking and risk management activities, including the comprehensive identification, management, and mitigation of risks within the Company’s risk appetite. GRC ensures the company operates in a safe, sound and fully compliant manner within all applicable regulatory expectations. We create and maintain the overall risk management framework while ensuring legal and regulatory compliance. We are passionate about our commitment to drive the comp any’s goals of growth and progress by creating a culture of awareness and proactivity around regulatory matters, and by partnering closely with business units across the enterprise to ensure we deliver maximum value to our shareholders and our customers efficiently and effectively.

Enterprise Risk Management & Risk Oversight (ERM&RO) leads and continuously enhances the enterprise risk management framework across risk stripes to ensure its effectiveness, partnering with business units and control functions to collectively manage risk. We provide independent oversight that enables the enterprise to operate in a safe and sound manner while pursuing its growth objectives. ERM&RO safeguards the company’s long-term resilience, reputation, and stakeholder value by overseeing risk frameworks; strengthening risk culture; aligning risk appetite with strategy; aggregating and reporting risk data; and delivering effective challenge across key decisions. We also lead global regulatory exam management and remediation, drive risk and compliance and financial crimes technology and AI modernization, and advance enterprise transformation initiatives to ensure scalable, compliant, and forward-looking risk management practices.

The Director, American Express Banking Corp. (AEBC), India, Chief Risk Officer's team will be part of the GRC organization and will report to the Chief Risk Officer (CRO) of AEBC India. The incumbent will be help support the oversight of the AEBC India’s Enterprise Risks, including Credit Risk, Operational & Compliance Risk, Liquidity & Funding Risks and Market Risk. The incumbent will lead a team of risk professionals in India and will be responsible for identifying, measuring, monitoring, assessing and reporting on enterprise risks. We are seeking an experienced leader to be a part of this exciting journey.

• Develop risk tolerance limits and establish risk appetite framework (RAF) metrics and escalation thresholds for all risk pillars.

  
  

• Identify emerging risks in accordance with the risk appetite program.

  
  

• Establish policies, practices, and other control mechanisms to manage key enterprise risks.

  
  

• Monitor and report on the bank’s aggregate risk profile, initiating appropriate actions to ensure adherence to risk appetite.

  
  
• Ensuring appropriate risk governance through participation at various committees
• Provide oversight of internal control framework and management of risks, including outsourcing

• Provide effective challenge through reviews of critical processes and projects and governance structures of bank processes.

  
  

• Participate actively in Bank’s governance committees including Asset and Liability Committee, Operational Risk Management Committee, Credit Risk Management Committee and Risk Management Committee 

  
  

• Collaborate effectively with Country Manager & CEO, Credit and Fraud Risk, Compliance, GCO, Operational Excellence, Treasury, Controllership and other stakeholders in the first line teams to ensure regulatory compliance and manage regulatory relationship and exams for safety & soundness related regulations.

  
  

• Lead the bank’s enterprise-wide stress testing activities and ensure the comprehensiveness and robustness of the bank’s stress testing program.

  
  

• Lead the functional oversight of risk management activities including the oversight of key risk-taking activities and core risk controls across the bank.

  
  

• Provide oversight of the bank’s operations through the enhancement and ongoing maintenance of an effective enterprise risk management program

  
  

• Perform compliance testing of safety and soundness areas of regulations for AEBC. 

  
  

Experience and Background:

• 8+ years of leadership experience in risk management, compliance, treasury, controllership, or a similar role.

  
  

• Strong analytical skills and business acumen with a risk-reward control perspective.

  
  

• Strong understanding of local market regulatory requirements and banking industry.

  
  

• Demonstrated ability to successfully manage multiple priorities under pressure.

  
  

• Advanced degree in banking, economics, business, engineering, or a related field is preferred.

  
  

• Familiarity with analytical methods and tools would be preferred. 

  
  

Leadership Skills:

• Proven leader who can build, inspire, and coach a team with a passion for the business.

• Excellent stakeholder and influence management skills with the ability to build productive relationships across leadership levels and teams. 

  
  
• Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged.

• Proactive in identifying issues, delivering, and escalating key findings, and advising on recommended solutions to correct issues or mitigate risks.

  
  
• Ability to communicate oversight findings to colleagues, business partners, senior leaders and regulators.
• Strong verbal and written communication skills in English.