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American Express
American Express
B2BBankininkystėFinansai
„American Express“ yra pasaulinė finansinių paslaugų įmonė, veikianti bankininkystės, finansavimo ir verslo mokėjimų srityse. Jos veikla apima vartotojams, įmonėms ir korporacijoms skirtas kredito korteles, mokėjimų ir prekybininkų paslaugas, taupomąsias sąskaitas, terminuotuosius indėlius ir asmenines paskolas, taip pat apdovanojimų ir kelionių programas, įmonių mokėjimo sprendimus, finansinį švietimą, saugumo paslaugas bei pagalbą kortelių nariams ir prekybininkams.
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Darbai įmonėje

Credit Risk Management Analyst - Toronto Hybrid

Analyze and improve credit-line assignment and increase strategies for American Express Canada’s consumer and small-business portfolios. Monitor risk, profitability, governance, and customer outcomes to support responsible lending decisions.

CAKanada
68 000 $ – 102 000 $ / metai
HibridinisVisas etatasVidutinis lygisVyresnysis specialistasPrivaloma Kalba: anglųVerslo analitikas
PythonSQL

Aprašymas

  • Develop and refine initial credit-line assignment strategies for new accounts using application data, internal information, bureau data, risk scores, debt capacity, and other relevant factors.
  • Create and oversee proactive and reactive line-increase strategies for existing customers, considering risk eligibility, income, tenure, spending, repayment behavior, exposure, and affordability.
  • Assess credit-line proposals against risk-adjusted profitability, customer suitability, and sustainable lending standards while complying with approved risk appetite, policies, procedures, and delegated authorities.
  • Perform portfolio analysis, segmentation, and performance monitoring across approval rates, credit-line sizes, utilization, delinquency, write-offs, and related outcomes.
  • Detect emerging risks, trends, and opportunities, then recommend updates to decision rules, models, cutoffs, caps, suppressions, and other strategy settings.
  • Produce supporting documentation, management reports, and governance materials covering rationale, impact, controls, and timely escalation of significant trends or exceptions.
  • Collaborate with Decision Science, the Centre of Excellence, Technology, Product, Finance, Compliance, Legal, Credit Operations, and other partners to implement strategies and deliver required capabilities.
  • Assist with validation, testing, implementation, and post-launch monitoring for automated decision strategies and associated controls.
  • Protect process rigor and data quality while supporting policy, procedure, audit, regulatory, and control work.
  • Convert complex analysis into clear recommendations for senior leaders and shape decisions through evidence-based insights.

Reikalavimai

  • Bachelor’s degree in a quantitative or business field such as Statistics, Economics, Finance, Mathematics, Engineering, Computer Science, or a related discipline; an advanced degree is advantageous.
  • Professional experience in credit risk management, underwriting, lending strategy, customer management, portfolio analytics, or a related financial-services area.
  • Strong analytical and problem-solving ability, including experience interpreting large datasets, recognizing meaningful patterns, and turning findings into practical risk strategies.
  • Proficiency with SQL, Python, R, or comparable analytical tools, along with advanced Excel skills; data visualization experience is advantageous.
  • Working knowledge of credit bureau data, risk scores, underwriting, line assignment, affordability or debt-capacity analysis, and portfolio performance measures.
  • Ability to balance growth, profitability, customer experience, and credit risk within defined governance and regulatory frameworks.
  • Clear written and verbal communication skills, with the ability to present analytical findings and recommendations to both technical and non-technical audiences.
  • Careful attention to detail, sound judgment, intellectual curiosity, and the ability to manage competing priorities in a collaborative setting.
  • Knowledge of Canadian consumer lending and the applicable regulatory environment is advantageous.
  • Must be eligible to work for American Express; visa sponsorship is not available for these positions.
  • Successful completion of a background verification check, in accordance with applicable laws and regulations.

Privalumai

  • Competitive base pay.
  • Bonus incentive opportunities.
  • Programs supporting financial well-being and retirement planning.
  • Medical, dental, vision, life insurance, and disability coverage, subject to location.
  • Flexible work arrangements that may be hybrid, onsite, or virtual according to the role and business needs.
  • Generous paid parental leave, subject to location.
  • Complimentary access to global onsite wellness centers with nursing and physician staff, subject to location.
  • Confidential counseling through the Healthy Minds program at no cost.
  • Professional development and training opportunities.
  • Background verification is required as a condition of employment.

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