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.

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?

This role is within UK Credit Risk organisation led by UK Chief Risk Officer with the objective to drive responsible growth with best-in-class credit risk strategies through the card lifecycle.

The position provides a unique opportunity for an individual to make a difference by defining and implementing lending and governance strategies for UK consumer and SBS cards. The individual would be responsible for driving lending and affordability strategies, including proactively identifying opportunities or new data solutions to enhance existing frameworks, implementing strategy changes, monitoring internal and industry trends, and collaborating with various internal and external stakeholders.  The successful candidate is expected to have a comprehensive understanding of industry lending products and dynamics, as well as extensive knowledge of UK regulatory requirements from CONC and Consumer Duty.  The individual is required to have experience of processing large unstructured datasets and have strong problem-solving abilities.  

The responsibilities include: 

Evaluating new data sources and stay abreast of industry trends to build upon existing affordability frameworks, and deliver profitable growth strategies, as well as improved customer outcomes Innovating and optimising lending strategies to improve performance efficiencies and customer experience. Collaborating closely with business partners and compliance to drive enterprise-wide projects for the UK market and to achieve sustainable growth objectives  Presenting recommendations to risk committees and lead the strategy implementation independently Driving operational excellence and ensuring full compliance with regulatory requirements 

Minimum Qualifications: 

4 years of credit risk experiences in financial institutions Experience with data-driven analytical tools (e.g. SQL, SAS, HIVE/HADOOP, R, Python, Tableau) to process unstructured dataset in order to extract insights, identify trends, and inform business decisions Comprehensive understanding of UK CONC and Consumer Duty requirements on creditworthiness and affordability Be curious and have a problem-solving mindset, ability to drive process change independently Strong analytical skills and sound business acumen, and interpersonal skills to collaborate with stakeholders across functions Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations in laymen’s term Demonstrates the ability to successfully manage multiple priorities under pressure Advanced degree in quantitative or a related field is preferred

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 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.