Teams at American Express

Manage credit risk across large institutional exposures, conducting fundamental financial analysis, underwriting commercial credit programs, setting credit limits, assessing industry and country risk, and recommending risk mitigation. Partner with sales, risk, and business teams; review credit decisions; mentor analysts; and communicate credit recommendations clearly. German or French fluency is mandatory, with experience in commercial credit assessment required.

Owns first-line UK credit risk governance, shaping credit strategies, translating regulatory expectations into controls, managing operational risk events and remediation, and maintaining the UK Credit Risk Procedure. The role partners with Compliance, Legal, Operations, Enterprise Risk, and business leaders to strengthen oversight, support responsible growth, and deliver positive customer outcomes.

Supports the UK Chief Risk Officer function within the second line of defense by identifying, assessing, monitoring, reporting, and challenging operational risks. Responsibilities include maintaining risk frameworks and policies, coordinating testing, overseeing regulatory change management, engaging regulators and auditors, supporting governance committees, reviewing remediation, and developing operational risk dashboards and metrics for UK legal entities.