Job Description

At American Express, our culture is built on a 175-year history of innovation, shared 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.
How will you make an impact in this role?
UK Credit 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 position provides a unique opportunity for an individual to make a difference by defining and implementing strategies for UK consumer and Small Business credit cards.
The individual would be responsible for driving affordability framework and strategies, including proactively identifying opportunities or new data solutions to enhance existing frameworks, implementing strategy changes, monitoring internal and industry trends, evaluating complaints and collaborating with various internal and external stakeholders.
Responsibilities:

• Evaluating affordability complaints and stay abreast of industry trends to strengthen existing affordability frameworks and deliver improved customer outcomes
• Collaborating closely with business partners and compliance to drive enterprise-wide projects for the UK market, achieve sustainable growth and affordable lending objectives
• Generate analytical insights and spot hidden trends from data to react quickly to emerging credit trends across customer lifecycle
• Develop strong relationship with colleagues from Central Risk organization as well as Operations, Business 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
• Familiar with UK CONC and Consumer Duty requirements on creditworthiness and affordability with experience working on affordability complaints
• Bachelor's 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 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 enterprise
• Proven track record to work independently and within a matrix organization; partnering with operations, capabilities, compliance and business 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

Employment eligibility to work with American Express in UK is required as the company will not pursue visa sponsorship for these positions.
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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 centres staffed with nurses and doctors (depending on location)
• Free and confidential counselling 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.

Skills Required