Job Description

Risk Team team’s objective is to define and develop credit risk strategies to drive growth and provide good customer outcomes at acquisition and through the customer lifecycle.

The person will be responsible for conducting detailed analysis and implementing new credit risk strategies for UK consumer and small business card portfolio. This person will also focus on tracking and explaining Acquisitions and Portfolio metrics, developing & evaluating new data sources, and working on projects together with our business partners.

• Generate analytical insights and spot hidden trends from data to react quickly to emerging credit trends across the customer lifecycle
• Evaluate new data sources and stay abreast of industry trends to build upon existing frameworks and deliver profitable risk strategies as well as better customer outcomes
• Develop strong relationships with colleagues from the Central Risk organization, as well as Operations, Product, Acquisitions and Compliance teams to drive enterprise wise successes for the UK market

Minimum Qualifications:

• At least 1 year+ experience in risk management or data analytical roles
• Bachelor’s or equivalent in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics)
• Coding skills in SQL or Python with hands-on experience is required
• Strong technical and analytical skills with the ability to apply both quantitative methods and business knowledge to create insights and deliver results
• Knowledge of underwriting and consumer/commercial bureau data
• Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations; conceptualize and sell ideas to internal and external partners
• Ability to build strong relationships with business partners across the enterprise
• Proven track record to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors to deliver solutions quickly and effectively
• Results driven with strong project management skills and ability to work on multiple priorities
• Ability to learn quickly and work independently with complex, unstructured initiatives

Preferred Qualifications:

• Understanding of statistical concepts
• Knowledge of UK regulatory landscape for consumer lending
• Past experience working on affordability for consumer lending is a plus

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

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.