Analyst - Risk Management Future Opportunities

American Express invites you to share your resume so you can be considered for future opportunities.

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.  

The Risk Team’s objective is to define and develop credit risk strategies that drive growth while delivering good customer outcomes at acquisition and throughout the customer lifecycle.

The person will be responsible for conducting detailed analyses and implementing new credit risk strategies for UK Consumer and Small Business Card portfolio. The successful candidate will also focus on tracking and explaining acquisitions and portfolio performance metrics, developing & evaluating new data sources, and collaborating closely with business partners in strategic initiatives.

• Generate analytical insights and identify emerging trends to proactively respond to evolving credit trends across the customer lifecycle
• Evaluate new data sources and stay abreast of industry trends to enhance existing frameworks and deliver profitable risk strategies as well as better customer outcomes
• Develop strong partnership with colleagues across Central Risk, Operations, Product, Acquisitions, and Compliance teams to drive enterprise-wide success in the UK market

Minimum Qualifications:

• At least 1 year+ experience in risk management or data analytics roles
• Bachelor’s degree or equivalent in a quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics)
• Coding skills in SQL or Python with hands-on experience
• Strong technical and analytical skills with the ability to apply both quantitative methods and business knowledge to generate insights and drive results
• Knowledge of underwriting and consumer/commercial bureau data
• Strong communication and influencing skills with the ability to translate technical analyses into business strategy recommendations and effectively present ideas to stakeholders
• Proven ability to work independently within a matrix organization and collaborate with various partners - capabilities, decision sciences, technology teams, and external vendors to deliver effective solutions
• Results driven with strong project management skills and the ability to manage multiple priorities
• Ability to quickly learn and independently navigate complex, unstructured initiatives

 

Preferred Qualifications:

• Understanding of statistical concepts
• Knowledge of UK regulatory landscape for consumer lending