Credit Risk Analyst – Automation & Analytics

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?

American Express’ Third Line of Defense (3LOD) has established a new Credit Risk Review function responsible for providing independent oversight and assurance to key Consumer and Commercial credit risk portfolios. The team aims to strengthen our risk management framework and ensure that we continue to uphold the highest standards of credit risk management across the enterprise.

This function is supported by a strong Data Analytics and Automation team to enable data-driven and technology-led assurance. We are looking for a detail-oriented analyst eager to develop and automate workflows that support the review process, using data and technology to deliver efficient, well-documented, and actionable insights for the review teams.

Key Responsibilities

• Design and develop automated workflows and data processes to support portfolio and thematic reviews.
• Perform data extraction, transformation, analysis, and automation using suitable tools and technologies (e.g., SQL, Python, Alteryx, Power Automate, UiPath, etc.) with accuracy and timeliness.
• Develop insightful dashboards and reports in Tableau, Power BI, or similar tools.
• Conduct quality assurance checks to ensure accuracy and integrity of outputs.
• Maintain clear documentation of data sources, logic, and automation processes.
• Contribute ideas for process improvement and efficiency enhancement.
• Participate in knowledge-sharing and upskilling sessions across the team.
• Contribute to a culture of innovation by exploring and experimenting with new tools, techniques, and automation approaches.

Qualifications

• 1–3 years’ experience in analytics, automation, or data process improvement (financial services experience a plus).
• Proficiency with data manipulation and automation tools such as Python, SQL, UiPath, or Power Automate.
• Working knowledge of dashboarding tools (Tableau, Power BI) and Excel for quick-turnaround analysis.
• Familiarity with prompt engineering to optimize Gen AI tools for research, automation, and insight generation.
• Strong attention to detail and quality control habits.
• Ability to manage multiple priorities and collaborate effectively across teams.
• Credit Risk knowledge or experience is preferred.
• Curiosity to learn and develop in the areas of credit risk analytics, automation, and emerging technologies.

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

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.  

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.