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- Tasks: Lead credit risk governance and ensure compliance with UK regulations for customer-centric decision making.
- Company: Join American Express, a leader in financial services with a commitment to responsible growth.
- Benefits: Enjoy competitive salaries, flexible working, comprehensive health benefits, and career development opportunities.
- Other info: Collaborative team culture with opportunities for professional growth and hybrid work arrangements.
- Why this job: Make a real impact on credit strategies while ensuring good customer outcomes in a dynamic environment.
- Qualifications: Experience in credit risk or compliance roles, with strong knowledge of UK consumer credit regulations.
The predicted salary is between 60000 - 75000 ÂŁ per year.
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.
- Coding skills in SQL / Python.
- 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.
About the Team- 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 & Controls Manager in London employer: SATOS Jobs
Contact Detail:
SATOS Jobs Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Governance & Controls Manager in London
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their credit risk strategies and be ready to discuss how your experience aligns with their goals. We want to see that you’re genuinely interested!
✨Tip Number 3
Practice your communication skills! Whether it’s explaining complex regulatory topics or discussing your past experiences, being clear and persuasive is key. We love candidates who can tailor their messages for different audiences.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we often have exclusive roles listed there that you won’t find anywhere else.
We think you need these skills to ace Credit Risk Governance & Controls Manager in London
Some tips for your application 🫡
Tailor Your Application: Make sure to customise your CV and cover letter to highlight your experience in credit risk governance and controls. Use keywords from the job description to show that you understand what we're looking for.
Showcase Your Regulatory Knowledge: We want to see your deep understanding of UK consumer credit regulations. Be specific about your experience with FCA CONC, Consumer Duty, and other relevant standards in your application.
Be Clear and Concise: When writing your application, clarity is key! Make your points straightforward and avoid jargon. We appreciate well-structured documents that are easy to read and understand.
Apply Through Our Website: Don't forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. We can’t wait to hear from you!
How to prepare for a job interview at SATOS Jobs
✨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 Technical Skills
Since coding skills in SQL or Python are a must, be prepared to discuss your experience with these languages. Maybe even bring examples of how you've used them in past roles to enhance governance or controls.
✨Prepare for Scenario Questions
Expect questions about managing Operational Risk Events or coordinating remediation work. Think of specific examples from your experience where you successfully navigated these challenges and be ready to share them.
✨Communicate Clearly
You’ll need to explain complex regulatory topics to both technical and non-technical audiences. Practice articulating these concepts in simple terms, as this will demonstrate your ability to influence across teams effectively.