Credit Risk Manager (First Line of Defence)

American Express
London
Workplace: HybridFull timeFunction: Legal, Risk & ComplianceSkills: ["Critical thinking","Analytical skills","Business judgement","Communication","Stakeholder management","Governance","Data analytics","Proactive","Detail-oriented"]

Own first-line credit risk governance for the UK market, shaping forward-looking credit strategies and ensuring processes and controls remain effective and responsive to regulatory expectations. Partner across Compliance, Legal, Operations, Enterprise Risk, and the business to translate CONC Consumer Duty and Consumer Credit Act requirements into practical controls. Lead responses to operational risk events, internal audit requests, and regulatory remediation, while driving clear, actionable stakeholder communications.

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FursaFursa
American Express
American Express
11 hours ago

Credit Risk Manager (First Line of Defence)

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Last checked: 4 hours agoStatus: Live

Job Summary

Own first-line credit risk governance for the UK market, shaping forward-looking credit strategies and ensuring processes and controls remain effective and responsive to regulatory expectations. Partner across Compliance, Legal, Operations, Enterprise Risk, and the business to translate CONC Consumer Duty and Consumer Credit Act requirements into practical controls. Lead responses to operational risk events, internal audit requests, and regulatory remediation, while driving clear, actionable stakeholder communications.
Location: London
Workplace: Hybrid
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Manager level

Key Responsibilities

  • •Shape forward-looking credit strategies by combining critical thinking, data analytics, and business judgement to improve customer outcomes.
  • •Translate regulatory and enterprise expectations into practical first-line processes and controls, using business and customer insight.
  • •Clarify risk and regulatory issues by translating technical details into decisive, actionable messages for stakeholders.
  • •Build partnerships across Operations, Compliance, Legal, Control Management, Enterprise Risk, and the wider business to strengthen oversight and alignment.
  • •Lead responses to operational risk events, internal audit requests, and regulatory remediation activities, while evolving the UK Credit Risk Procedure.

Pay and Benefits

Perks:Health InsuranceDentalVisionLife InsuranceDisability BenefitsRetirementPaid ParentalHybrid Work

Key Requirements

  • •Significant experience in risk management, data analytics, or a related discipline within a regulated financial services organisation, delivering meaningful outcomes.
  • •Strong critical thinking and analytical skills with business judgement to turn insights into action.
  • •Sound knowledge of UK consumer credit regulation, including CONC Consumer Duty and the Consumer Credit Act.
  • •Excellent written and verbal communication, with the confidence to influence across functions and levels.
  • •Proficiency in SQL or Python, with a proactive, detail-oriented approach to robust governance and good customer outcomes.
Experience:Regulated financial services
Skills:Critical thinkingAnalytical skillsBusiness judgementCommunicationStakeholder managementGovernanceData analyticsProactiveDetail-oriented
Tech Stack:SQLPython

Eligibility

Work Authorization:Authorization required. Sponsorship not provided.

Company Brief

American Express
Provides global payment, credit, and travel-related financial services for consumers and businesses. Best known for its charge and credit cards, merchant payment network, and premium customer rewards and servicing.
Industry: Payments
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: New York City, United States
Founded: 1850
WebsiteLinkedIn