Credit Risk Manager (First Line of Defense)

• Significant experience in risk management, data analytics, or a related discipline within a regulated financial services organisation, with a record of delivering meaningful outcomes.
• Strong critical thinking and analytical skills, with the business judgement to turn insights into action.
• Sound knowledge of UK consumer credit regulation, including the CONC Consumer Duty, and the Consumer Credit Act.
• The drive and judgement to navigate competing priorities and deliver high-quality work in a fast-paced environment.
• Excellent written and verbal communication, with the confidence and credibility to influence across functions and levels.
• A proactive, curious, and detail-oriented approach, with a strong commitment to robust governance and good customer outcomes.
• Proficiency in SQL or Python.

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

Key responsibilities

• Shape forward-looking credit strategies by combining critical thinking, data analytics, and sound business judgement to improve customer outcomes.
• Turn regulatory and enterprise expectations into practical first-line processes and controls, using business and customer insight to influence how requirements evolve.
• Bring clarity to risk and regulatory issues, translating technical detail into decisive, actionable messages that influence stakeholders.
• Build strong partnerships across Operations, Compliance, Legal, Control Management, Enterprise Risk, and the wider business to strengthen oversight and maintain regulatory and procedure alignment.
• Lead the response to operational risk events, internal audit requests, and regulatory remediation activities.
• Own and evolve the UK Credit Risk Procedure, ensuring it remains clear, current, and aligned with regulatory, enterprise, and business requirements.

• Significant experience in risk management, data analytics, or a related discipline within a regulated financial services organisation, with a record of delivering meaningful outcomes.
• Strong critical thinking and analytical skills, with the business judgement to turn insights into action.
• Sound knowledge of UK consumer credit regulation, including the CONC Consumer Duty, and the Consumer Credit Act.
• The drive and judgement to navigate competing priorities and deliver high-quality work in a fast-paced environment.
• Excellent written and verbal communication, with the confidence and credibility to influence across functions and levels.
• A proactive, curious, and detail-oriented approach, with a strong commitment to robust governance and good customer outcomes.
• Proficiency in SQL or Python.

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