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About the Role
This role is an opportunity to shape the governance of credit risk strategies within the UK Credit Risk organisation, enabling responsible growth, meeting regulatory expectations, and delivering good customer outcomes. You will take ownership of first-line credit risk governance for the UK market, ensuring processes and controls remain effective and responsive to evolving expectations.
Responsibilities
- Shape forward-looking credit strategies by combining critical thinking, data analytics, and sound business judgement to improve customer outcomes.
- Turn regulatory and enterprise expectations into practical first-line processes and controls, using business and customer insight to influence how requirements evolve.
- Bring clarity to risk and regulatory issues, translating technical detail into decisive, actionable messages that influence stakeholders.
- Build strong partnerships across Operations, Compliance, Legal, Control Management, Enterprise Risk, and the wider business to strengthen oversight and maintain regulatory and procedure alignment.
- Lead the response to operational risk events, internal audit requests, and regulatory remediation activities.
- Own and evolve the UK Credit Risk Procedure, ensuring it remains clear, current, and aligned with regulatory, enterprise, and business requirements.
Requirements
- Significant experience in risk management, data analytics, or a related discipline within a regulated financial services organisation, with a record of delivering meaningful outcomes.
- Strong critical thinking and analytical skills, with the business judgement to turn insights into action.
- Sound knowledge of UK consumer credit regulation, including the CONC Consumer Duty, and the Consumer Credit Act.
- The drive and judgement to navigate competing priorities and deliver high-quality work in a fast-paced environment.
- Excellent written and verbal communication, with the confidence and credibility to influence across functions and levels.
- A proactive, curious, and detail-oriented approach, with a strong commitment to robust governance and good customer outcomes.
- Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.
- Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
Skills
- Proficiency in SQL or Python.
Location
- UK
Work Type
- Hybrid
- Onsite
- Virtual
Experience Level
- Manager
Salary/Compensations
- Competitive base salaries
- Bonus incentives
Benefits
- Support for financial-well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
- 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
About the Company
- 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.
- 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.