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- Tasks: Lead credit risk governance and ensure compliance with UK regulations.
- Company: Join American Express, a leader in innovation and customer support.
- Benefits: Competitive salary, bonuses, flexible working, and comprehensive health benefits.
- Why this job: Make a real impact on customer outcomes and drive sustainable growth.
- Qualifications: Strong knowledge of UK consumer credit regulation and experience in risk management.
- Other info: Dynamic hybrid work environment with excellent career development opportunities.
The predicted salary is between 36000 - 60000 £ per year.
Work Location Options: Hybrid
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.
Role: Credit Risk Governance & Controls Senior 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. 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 Include:
- 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.
Senior Manager Risk Management in London employer: Ethica Consulting
Contact Detail:
Ethica Consulting Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Manager Risk Management in London
✨Tip Number 1
Network like a pro! Reach out to folks in your industry, especially those at American Express. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for the interview by knowing your stuff! Brush up on UK consumer credit regulations and be ready to discuss how your experience aligns with the role. We want to see your passion and expertise shine through!
✨Tip Number 3
Showcase your problem-solving skills! Be ready to share examples of how you've tackled challenges in governance or compliance. We love hearing about real-life scenarios where you've made an impact.
✨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 and contributing to our mission.
We think you need these skills to ace Senior Manager Risk Management in London
Some tips for your application 🫡
Know the Role Inside Out: Before you start writing, make sure you really understand what the Senior Manager Risk Management role is all about. Dive into the job description and highlight key responsibilities and qualifications. This will help us see how your experience aligns with what we're looking for.
Tailor Your Application: Don’t just send a generic application! We want to see how your skills and experiences specifically relate to the role. Use the language from the job description to show us that you’re a perfect fit for our team at American Express.
Showcase Your Achievements: When detailing your past experiences, focus on your achievements rather than just listing duties. Use metrics and examples to illustrate how you've made an impact in previous roles, especially in areas like governance and compliance.
Keep It Clear and Concise: We appreciate clarity! Make sure your application is well-structured and easy to read. Avoid jargon unless it’s relevant, and keep your sentences short and to the point. This will help us quickly grasp your qualifications and enthusiasm for the role.
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 Senior Manager Risk Management 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 able to convey your ideas clearly will be key during the interview.
✨Be Proactive and Detail-Oriented
Highlight your proactive approach and attention to detail in your previous work. Discuss how you've contributed to robust governance and good customer outcomes, as this aligns perfectly with what American Express is looking for in a candidate.
