Senior Analyst - Risk Management

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

• The Risk Team’s objective is to define and develop credit risk strategies that drive growth while delivering good customer outcomes at acquisition and throughout the customer lifecycle.
• The person will be responsible for conducting detailed analyses and implementing new credit risk strategies for UK Consumer and Small Business Card portfolio.
• The successful candidate will also focus on tracking and explaining acquisitions and portfolio performance metrics, developing & evaluating new data sources, and collaborating closely with business partners in 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+ 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, and Economics).
• Coding skills in SQL or Python with hands-on experience.
• Strong technical and analytical skills with the ability to apply both 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 effectively 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 independently navigate complex, unstructured initiatives.

Preferred Qualifications

• Understanding of statistical concepts.
• Knowledge of UK regulatory landscape for consumer lending.

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

About Us

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.

About The Team

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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.