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For Companies At a Glance
- Tasks: Lead credit risk governance and ensure compliance with UK regulations for customer-centric decision making.
- Company: Join American Express, a leader in innovation with a strong commitment to its people and customers.
- Benefits: Enjoy competitive salaries, bonuses, flexible working, and comprehensive health benefits.
- Why this job: Make a real impact on credit strategies while developing your leadership skills in a supportive environment.
- Qualifications: Strong knowledge of UK consumer credit regulation and experience in risk or compliance roles.
- Other info: Dynamic hybrid work model with excellent career development opportunities.
The predicted salary is between 36000 - 60000 £ per year.
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. As part of Team Amex, you’ll experience this 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.
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 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.
Credit Risk Governance and Controls Manager employer: Ethica Consulting
Contact Detail:
Ethica Consulting Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Governance and Controls Manager
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, especially those at American Express. A friendly chat can open doors and give you insights that job descriptions just can't.
✨Tip Number 2
Prepare for interviews by diving deep into the company culture and values. American Express loves innovation and collaboration, so think of examples from your past that showcase these traits.
✨Tip Number 3
Showcase your regulatory knowledge! Be ready to discuss how you've navigated compliance challenges in previous roles. This will demonstrate your fit for the Credit Risk Governance role.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you're serious about joining Team Amex!
We think you need these skills to ace Credit Risk Governance and Controls Manager
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter for the Credit Risk Governance and Controls Manager role. Highlight your experience with UK consumer credit regulations and governance processes, as this will show us you understand what we're looking for.
Showcase Your Communication Skills: Since you'll need to communicate complex regulatory topics clearly, use your application to demonstrate your written communication skills. Keep it concise, clear, and professional – we want to see how you can convey important information effectively.
Highlight Relevant Experience: Don’t forget to mention any hands-on experience you have in credit risk or operational risk roles. We’re keen to see how your background aligns with our mission of delivering responsible growth through well-governed credit strategies.
Apply Through Our Website: We encourage you to apply directly through our website. This way, you’ll ensure your application gets to the right people and you can easily track your progress. Plus, it’s the best way to stay updated on your application status!
How to prepare for a job interview at Ethica Consulting
✨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 translate regulatory expectations into practical processes.
✨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 Credit Risk Governance & Controls Manager 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 to making a strong impression.
✨Be Proactive and Detail-Oriented
During the interview, highlight your proactive approach and attention to detail. Discuss how you've ensured compliance and good customer outcomes in previous roles, as this aligns perfectly with what American Express is looking for in their next team member.
