At a Glance
- Tasks: Lead credit risk governance and ensure compliance with UK regulations for customer-centric decision-making.
- Company: Join a leading financial services institution focused on responsible growth and innovation.
- Benefits: Competitive salary, bonuses, flexible working, and comprehensive health benefits.
- Other info: Dynamic work environment with excellent career development opportunities.
- Why this job: Make a real impact on credit strategies while enhancing your regulatory expertise.
- Qualifications: Strong knowledge of UK consumer credit regulation and experience in governance roles.
The predicted salary is between 43200 - 72000 £ per year.
We are seeking a Credit Risk Governance & Controls Manager to join our UK Credit Risk organization led by UK Chief Risk Officer. Our mission is to deliver responsible, sustainable growth through data-driven, well-governed credit strategies. You will play a critical role in ensuring that our credit risk strategies across the card lifecycle meet UK regulatory expectations – FCA CONC, Consumer Duty, and affordability rules – to drive good customer outcomes and align with our enterprise risk framework.
In this role, you will own first‑line governance for credit risk processes and controls for the UK market, ensuring they are compliant, effective, and future‑ready. You will work closely with Compliance, Legal, Operational Risk, Enterprise Risk, and other partners to embed strong regulatory discipline and influence strategic decisions across the business. This is an excellent opportunity for someone with deep regulatory knowledge of unsecured lending and hands‑on experience strengthening governance and controls within a UK regulated institution.
Responsibilities
- Translate regulatory and enterprise expectations into practical first‑line processes that enable compliant, customer‑centric decision‑making.
- Partner with Operational Risk and Compliance to strengthen monitoring routines, enhance oversight, and prevent recurrence of issues.
- Manage Operational Risk Events end‑to‑end, driving timely escalation, thorough root‑cause analysis, and sustainable remediation.
- Support ongoing updates to Credit Risk policies, standards, and operating manuals, ensuring they remain current and aligned to regulatory expectations.
- Prepare clear, high‑quality documentation for audits, risk reviews, and regulatory assessments, ensuring strong evidence and timely responses.
- Collaborate closely with Compliance, Legal, Data Governance, Product, and second‑line functions to maintain alignment on regulatory and policy requirements.
- Communicate complex regulatory or risk topics clearly and persuasively, tailoring messages for both technical and non‑technical audiences.
Minimum Qualifications
- Strong working knowledge of UK consumer credit regulation, including FCA CONC, Consumer Duty, LSB standard, CCA, etc.
- Experience in a credit risk, operational risk, compliance, or governance role within a regulated financial services institution.
- Proven ability to manage governance processes, control frameworks, or regulatory change initiatives.
- Experience handling Operational Risk Events and coordinating cross‑functional remediation work.
- Excellent written and verbal communication skills, with the ability to influence across teams.
- Strong organizational skills and the ability to manage multiple priorities in a fast‑paced environment.
- A proactive, detail‑oriented mindset with a commitment to robust governance and good customer outcomes.
Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.
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 counselling 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.
London, England, United Kingdom
Credit Risk Governance & Controls Manager employer: American Express
American Express is an exceptional employer, offering a dynamic work culture that prioritises employee well-being and professional growth. As a Credit Risk Governance & Controls Manager in London, you will benefit from competitive salaries, flexible working arrangements, and comprehensive health benefits, all while contributing to responsible credit strategies that drive positive customer outcomes. With a strong focus on regulatory compliance and collaboration across teams, this role provides a unique opportunity to make a meaningful impact within a leading financial services institution.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Governance & Controls Manager
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their credit risk strategies and be ready to discuss how your experience aligns with their goals. We want to see you shine!
✨Tip Number 3
Practice your responses to common interview questions, especially those related to regulatory compliance and governance. The more comfortable you are, the better you'll communicate your expertise.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take that extra step to engage with us directly.
We think you need these skills to ace Credit Risk Governance & Controls Manager
Some tips for your application 🫡
Know the Role Inside Out:Before you start writing, make sure you really understand what the Credit Risk Governance & Controls Manager role is all about. Dive into the job description and highlight key responsibilities and qualifications. This will help you tailor your application to show how you fit the bill.
Show Off Your Regulatory Knowledge:Since this role requires a strong grasp of UK consumer credit regulations, don’t hold back! Use your application to showcase your experience with FCA CONC, Consumer Duty, and other relevant regulations. We want to see how your background aligns with our mission for responsible growth.
Be Clear and Concise:When it comes to written applications, clarity is key. Make sure your points are easy to read and straight to the point. Avoid jargon unless it’s necessary, and remember to keep your language professional yet approachable. We appreciate a good balance!
Apply Through Our Website:We encourage you to submit your application through our website. It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it gives you a chance to explore more about our company culture and values while you’re at it!
How to prepare for a job interview at American Express
✨Know Your Regulations
Make sure you brush up on UK consumer credit regulations like FCA CONC and Consumer Duty. Being able to discuss these confidently will show that you understand the landscape and can navigate it effectively.
✨Showcase Your Experience
Prepare specific examples from your past roles where you've managed governance processes or handled Operational Risk Events. This will help demonstrate your hands-on experience and how it aligns with the responsibilities of the role.
✨Communicate Clearly
Practice explaining complex regulatory topics in simple terms. You’ll need to tailor your communication for both technical and non-technical audiences, so being clear and persuasive is key.
✨Be Proactive and Detail-Oriented
During the interview, highlight your proactive approach and attention to detail. Share instances where your commitment to robust governance led to positive customer outcomes or improved processes.
