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For Companies At a Glance
- Tasks: Analyse data to develop credit risk strategies and improve customer outcomes.
- Company: Join American Express, a leader in innovation with a supportive culture.
- Benefits: Competitive salary, bonuses, flexible working, and comprehensive health benefits.
- Why this job: Make a real impact on financial strategies while growing your career.
- Qualifications: 1+ year in risk management or data analysis; coding skills in SQL or Python.
- Other info: Dynamic hybrid work environment 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 Behaviours, 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.
How will you make an impact in this role? The Risk Team's objective is to define and develop credit risk strategies to drive growth and provide good customer outcomes at acquisition and through the customer lifecycle. The person will be responsible for conducting detailed analysis and implementing new credit risk strategies for the UK consumer and small business card portfolio. This person will also focus on tracking and explaining Acquisitions and Portfolio metrics, developing & evaluating new data sources, and working on projects together with our business partners.
Responsibilities
- Generate analytical insights and spot hidden trends from data to react quickly to emerging credit trends across the customer lifecycle.
- Evaluate new data sources and stay abreast of industry trends to build upon existing frameworks and deliver profitable risk strategies as well as better customer outcomes.
- Develop strong relationships with colleagues from the Central Risk organization, as well as Operations, Product, Acquisitions and Compliance teams to drive enterprise-wide successes for the UK market.
Minimum Qualifications
- At least 1 year+ experience in risk management or data analytical roles.
- Bachelors or equivalent in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics).
- Coding skills in SQL or Python with hands-on experience is required.
- Strong technical and analytical skills with the ability to apply both quantitative methods and business knowledge to create insights and deliver results.
- Knowledge of underwriting and consumer/commercial bureau data.
- Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations; conceptualize and sell ideas to internal and external partners.
- Ability to build strong relationships with business partners across the enterprise.
- Proven track record to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors to deliver solutions quickly and effectively.
- Results driven with strong project management skills and ability to work on multiple priorities.
- Ability to learn quickly and work independently with complex, unstructured initiatives.
Preferred Qualifications
- Understanding of statistical concepts.
- Knowledge of UK regulatory landscape for consumer lending.
- Past experience working on affordability for consumer lending is a plus.
Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these 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.
Analyst-Risk Management in London employer: Ethica Consulting
Contact Detail:
Ethica Consulting Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Analyst-Risk Management in London
✨Tip Number 1
Network like a pro! Reach out to current or former employees at American Express on LinkedIn. A friendly chat can give us insider info and might even lead to a referral, which is always a bonus!
✨Tip Number 2
Prepare for the interview by diving deep into the company culture and values. We want to show that we’re not just a fit for the role but also for Team Amex. Bring examples of how our skills align with their mission!
✨Tip Number 3
Practice makes perfect! Mock interviews with friends or mentors can help us nail down our responses. Focus on articulating our analytical skills and how they can drive growth at American Express.
✨Tip Number 4
Don’t forget to follow up after the interview! A quick thank-you email reiterating our enthusiasm for the role can keep us top of mind. Plus, it shows we’re genuinely interested in joining their team!
We think you need these skills to ace Analyst-Risk Management in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Analyst-Risk Management role. Highlight your experience in risk management and data analysis, and don’t forget to mention your coding skills in SQL or Python. We want to see how your background aligns with what we’re looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re passionate about risk management and how you can contribute to our team at American Express. Be sure to mention any relevant projects or experiences that showcase your analytical skills.
Showcase Your Analytical Skills: In your application, make sure to highlight specific examples of how you've generated insights from data in previous roles. We love seeing how you’ve tackled complex problems and delivered results, so don’t hold back on the details!
Apply Through Our Website: We encourage you to apply through our website for the best chance of success. It’s the easiest way for us to keep track of your application and ensure it gets the attention it deserves. Plus, you’ll find all the info you need about the role there!
How to prepare for a job interview at Ethica Consulting
✨Know Your Data
Make sure you brush up on your SQL and Python skills before the interview. Be ready to discuss how you've used these tools in past roles, especially in risk management or data analysis. Having specific examples of how you've generated insights from data will really impress the interviewers.
✨Understand the Industry
Familiarise yourself with current trends in credit risk and consumer lending, particularly in the UK market. Being able to discuss recent developments or regulatory changes shows that you're proactive and genuinely interested in the field, which is a big plus for any employer.
✨Build Relationships
Since this role involves collaborating with various teams, think about how you can demonstrate your relationship-building skills. Prepare examples of how you've successfully worked with cross-functional teams in the past, and be ready to discuss how you would approach building those relationships at American Express.
✨Communicate Clearly
Practice translating complex technical analyses into straightforward business recommendations. The ability to communicate effectively with both technical and non-technical stakeholders is crucial. Consider preparing a few scenarios where you've had to do this in previous roles to showcase your communication prowess.
