At a Glance
- Tasks: Analyse credit risk and develop strategies for UK Consumer and Small Business Card portfolios.
- Company: Join American Express, a leader in credit and fraud risk management.
- Benefits: Competitive salary, bonuses, flexible working, and comprehensive health benefits.
- Other info: Great career development opportunities and a supportive work culture.
- Why this job: Make impactful decisions that drive growth and innovation in a dynamic environment.
- Qualifications: 1 year in risk management or data analytics; coding skills in SQL or Python.
The predicted salary is between 50000 - 70000 £ per year.
Job Description
Credit and Fraud Risk (CFR) is a global function responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express.
CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.
Responsibilities
- Conduct detailed analyses and implement new credit risk strategies for the UK Consumer and Small Business Card portfolio.
- Track and explain acquisitions and portfolio performance metrics.
- Develop and evaluate new data sources, and collaborate closely with business partners on strategic initiatives.
- Generate analytical insights and identify emerging trends to proactively respond to evolving credit trends across the customer lifecycle.
- Evaluate new data sources and stay abreast of industry trends to enhance existing frameworks and deliver profitable risk strategies as well as better customer outcomes.
- Develop strong partnership with colleagues across Central Risk, Operations, Product, Acquisitions, and Compliance teams to drive enterprise-wide success in the UK market.
- Minimum Qualifications
- At least 1 year of experience in risk management or data analytics roles.
- Bachelor’s degree or equivalent in a quantitative field (e. g., Finance, Engineering, Physics, Mathematics, Computer Science, or Economics).
- Coding skills in SQL or Python with hands‑on experience.
- Strong technical and analytical skills with the ability to apply quantitative methods and business knowledge to generate insights and drive results.
- Knowledge of underwriting and consumer/commercial bureau data.
- Strong communication and influencing skills with the ability to translate technical analyses into business strategy recommendations and present ideas to stakeholders.
- Proven ability to work independently within a matrix organization and collaborate with various partners, capabilities, decision sciences, technology teams, and external vendors to deliver effective solutions.
- Results‑driven with strong project‑management skills and the ability to manage multiple priorities.
- Ability to quickly learn and navigate complex, unstructured initiatives independently.
- Preferred Qualifications
- Understanding of statistical concepts.
- Knowledge of UK regulatory landscape for consumer lending.
Benefits
- 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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
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Analyst - Risk Management Future Opportunities employer: American Express
American Express is an exceptional employer that fosters a culture of innovation and collaboration, empowering employees to thrive in their careers. With a strong commitment to holistic well-being, the company offers competitive salaries, comprehensive benefits, and flexible working arrangements, ensuring that team members can balance their personal and professional lives effectively. The opportunity for career development and mentorship within a globally recognised financial services leader makes American Express an attractive choice for those seeking meaningful and rewarding employment in the heart of the UK.
