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With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

UK new accounts team’s objective is to define and develop credit risk strategies to drive profitable growth at acquisition. The incumbent will be responsible for conducting detailed analysis and driving new accounts credit risk strategy for UK consumer and small business card portfolio. This person will also focus on tracking and explaining New Accounts and limit assignment metrics, developing & evaluating new data sources, and working on projects together with our business partners.

How will you make an impact in this role?

• Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.
• Drive profitable strategies at acquisition driven by economics of lifetime value e.g. CMV based risk decision
• Monitor Key New Accounts metrics and provide analytical insights to explain trends in collaboration with Marketing and Sales teams and react quickly to potential/emerging issues
• Very close monitoring of high-risk portfolio segments eg. Marginal approvals, low income, Low revenue, payment holidays etc.
• Partner closely with cross-functional teams (e.g., Decision science, Operations, Compliance, Legal and third party vendors) to implement risk strategies and develop new capabilities to provide best in class customer experience
• Build and improve existing MIS and analytical reporting tools to improve our understanding of current trends
• Strengthen credit risk capabilities by incorporating new data sources in credit risk decision
• Perform ad hoc analysis to identify new risk opportunities among early payment defaulters
• Ensure adherence to compliance and participation in audits as required

Minimum Qualifications

• At least 1 year+ experience in risk management or data analytical roles
• Bachelor’s / Master's Degree or Phd in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics)
• Coding skills in SQL and in one of R/Python is required. Hands-on exposure is a must. Exposure to statistical concepts is a plus
• Strong technical and analytical acumen with the ability to apply both quantitative methods and business knowledge to create insights and drive results
• 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 partners across business units
• Demonstrated ability to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors to deliver solutions quickly and effectively

Preferred Qualifications

• Experience/Familiarity with Big Data is preferred
• Understanding/experience of risk management principles with underwriting and customer management knowledge is preferred

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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.