b Overview /b p In this role, you will lead first-line credit risk governance for the UK, shaping strategies that balance responsible growth with regulatory alignment. You’ll collaborate with Compliance, Legal, Operations, and Enterprise Risk to translate expectations into practical controls, influencing governance and policy. You will turn insights into actions to improve customer outcomes while maintaining oversight across the risk framework. This is a high-impact, collaborative position within a long-standing and innovative team that values trust and customer focus. /p b Responsibilities /b ul li Shape forward-looking credit strategies by leveraging data analytics and business judgment to improve customer outcomes /li li Translate regulatory and enterprise expectations into practical first-line processes and controls /li li Clarify risk and regulatory issues and communicate actionable messages to stakeholders /li li Build partnerships across Operations, Compliance, Legal, Control Management, Enterprise Risk, and the wider business to strengthen oversight /li li Lead responses to operational risk events, internal audit requests, and regulatory remediation activities /li li Own and evolve the UK Credit Risk Procedure to stay current with regulatory, enterprise, and business needs /li /ul b Key requirements /b ul li Significant experience in risk management, data analytics, or a related discipline within a regulated financial services organisation /li li Strong critical thinking and analytical skills with ability to turn insights into action /li li Knowledge of UK consumer credit regulation (CONC, Consumer Duty, Consumer Credit Act) /li li Ability to navigate competing priorities and deliver high-quality work in a fast-paced environment /li li Excellent written and verbal communication to influence across functions /li li Proactive, curious, detail-oriented approach with commitment to governance and good customer outcomes /li li Proficiency in SQL or Python /li /ul ul li excellent communication /li li influencing across functions /li li proactive and curious mindset /li li detail-oriented governance focus /li li SQL /li li Python /li /ul
Credit Risk Manager (First Line of Defense) employer: American Express
American Express is an exceptional employer located in Burgess Hill, West Sussex, offering a dynamic hybrid work environment that fosters innovation and collaboration. With a strong focus on employee growth, mentorship, and cutting-edge technology, team members are empowered to develop their skills in AI and engineering while contributing to meaningful projects that shape the future of commerce. The inclusive work culture values every voice, ensuring that your contributions have a real impact on both customers and the community.
