**Description** At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. **How will you make an impact in this role?** Join our UK Credit Risk Team, where we design and deliver forward-thinking credit risk strategies that fuel business growth and deliver exceptional customer outcomes — from acquisition through the full customer lifecycle. As a Risk Analyst and relationship manager to credit bureau, you’ll play a key role in shaping how we use credit bureau data to make smarter, faster, and fairer decisions. You’ll build strong relationships with our Credit Reference Agencies, explore cutting-edge data products, and uncover insights that help us stay ahead of emerging credit trends — all while ensuring compliance and governance excellence. **Responsibilities:** + Lead strategic partnerships: Build and maintain long-term, trusted relationships with Credit Reference Agencies to ensure access to high-quality data and innovative solutions. + Unlock insights: Analyse bureau data to detect early industry credit trends, enabling proactive decision-making across the customer lifecycle + Drive innovation: Champion experimentation with the latest consumer and commercial data products released by Credit Reference Agencies. + Shape the future of risk: Evaluate new data sources and industry developments to enhance our risk frameworks, improving both profitability and customer experience. + Collaborate for impact: Work closely with Legal, Compliance, Technology, and Procurement teams to turn insights into scalable, business-ready strategies. **Minimum Qualifications** + Bachelor’s or equivalent in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics) + Coding skills in SQL with hands-on experience is required + 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 + Results driven with strong project management skills and ability to work on multiple priorities + Ability to build strong relationships with business partners **Preferred Qualifications** + Have experience in Credit Reference Agency data and products is a plus + Have good understanding of regulations governing Credit Reference Agency data is a plus Employment eligibility to work with American Express in the United Kingdom is required as the company will not pursue visa sponsorship for these positions. **Qualifications** We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: + 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. **Job:** Risk **Primary Location:** United Kingdom-London-London **Schedule** Full-time **Req ID:** 25019217