**Description** 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. **How will you make an impact in this role?** This role is within the UK Credit Risk Organization lead by the UK Chief Credit Risk Officer tasked with the objective of driving responsible growth with best-in-class credit risk strategies across the customer lifecycle. The position provides a great opportunity to make a difference by developing and implementing customer management controls across Consumer, Small Business and Corporate Cards portfolios. The individual would be responsible for driving customer management strategies, including 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 individual is also required to have experience processing large unstructured datasets and strong problem-solving abilities. The responsibilities include: + Evaluating new data sources to build upon existing credit risk frameworks, and delivering responsible growth strategies, as well as improved customer outcomes + Innovating and optimizing customer management strategies to minimize credit losses while improving performance efficiencies and customer experience. + Collaborating closely with business partners to drive enterprise-wide projects for the UK market + Presenting recommendations to risk committees and lead 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 working on credit risk strategies for Credit and Charge Cards + 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 simpler terms + Demonstrates the ability to successfully manage multiple priorities under pressure + Advanced degree in quantitative or a related field is preferred Non-considerations for sponsorship: Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions. Considerations for sponsorship: 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. **Qualifications** 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. **Job:** Risk **Primary Location:** United Kingdom-London-London **Schedule** Full-time **Req ID:** 25013612