Analyst-Risk Management

Company

American Express

Location

London, England, United Kingdom

Posted At

8/14/2025

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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.

UK Credit Risk Team 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 person will be responsible for conducting detailed analysis and implementing new credit risk strategies for UK consumer and small business card portfolio. This person will also focus on tracking and explaining Acquisitions and Portfolio metrics, developing & evaluating new data sources, and working on projects together with our business partners.

How will you make an impact in this role?

Generate analytical insights and spot hidden trends from data to react quickly to emerging credit trends across the customer lifecycle
Evaluate new data sources and stay abreast of industry trends to build upon existing frameworks and deliver profitable risk strategies as well as better customer outcomes
Develop strong relationships with colleagues from the Central Risk organization, as well as Operations, Product, Acquisitions and Compliance teams to drive enterprise wise successes for the UK market

Minimum Qualifications

At least 1 year+ experience in risk management or data analytical roles
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 the 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 the enterprise
Proven track record to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors 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

Preferred Qualifications

Understanding of statistical concepts
Knowledge of UK regulatory landscape for consumer lending
Past experience working on affordability for consumer lending is a plus

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.