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 we will help us define the future of American Express.

UK Credit Risk Team

The 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 analyst will conduct detailed analysis and implement new credit risk strategies for the UK consumer and small business card portfolio, track and explain acquisitions and portfolio metrics, evaluate new data sources, and drive projects with 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 with better customer outcomes.
• Develop strong relationships with colleagues from the Central Risk organization, Operations, Product, Acquisitions and Compliance teams to drive enterprise‑wide success for the UK market.

Minimum Qualifications

• At least 1 year+ experience in risk management or data analytics roles.
• Bachelor’s or equivalent in a quantitative field (Finance, Engineering, Physics, Mathematics, Computer Science, Economics).
• Coding skills in SQL or Python with hands‑on experience.
• Strong technical and analytical skills, applying quantitative methods and business knowledge to create insights and deliver results.
• Knowledge of underwriting and consumer/commercial bureau data.
• Good communication and persuasion skills, translating technical analysis into business strategy recommendations and selling ideas to internal and external partners.
• Ability to build strong relationships with business partners across the enterprise.
• Proven experience working independently 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 the UK regulatory landscape for consumer lending.
• Past experience working on affordability for consumer lending.

Benefits

• 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.

Employment Eligibility

Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.