Analyst - Credit Risk Management at American Express

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