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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you’ll experience our 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.

The Credit Risk Team’s objective is to design and develop risk strategies that drive sustainable growth while delivering good customer outcomes, both at acquisition and throughout the customer lifecycle.

How will you make an impact in this role?

This role is responsible for conducting detailed analysis and implementing underwriting strategies for UK Consumer and Small Business Card acquisitions. The successful candidate will focus on monitoring and explaining acquisition performance metrics, evaluating new data sources, and partnering closely with key business stakeholders on strategic initiatives.

Key Responsibilities:

• Identify hidden and emerging trends in acquisition data to generate insights and respond effectively to changes in competitive and economic environment.
• Partner closely with the Acquisition team to assess how changes in targeting and marketing mix impacts risk performance
• Evaluate new data sources and stay current with industry trends to enhance existing underwriting strategies and deliver good customer outcomes
• Build strong cross-functional relationships with colleagues across Central Risk, Operations, Product, Acquisitions, and Compliance to drive enterprise-wide projects

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

Employment eligibility to work with American Express in the 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 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.