Analyst - Risk Management

American Express Canada is seeking a Credit Risk Analyst to support responsible growth and sound customer outcomes across the consumer and small business portfolios. The analyst will primarily develop, evaluate, and monitor strategies for Initial Line Assignment on new accounts and proactive and reactive line-increase decisions for existing customers. The role combines data-driven analysis, risk-return optimization, strong governance, and cross-functional partnership to ensure credit-line decisions are appropriate, sustainable, compliant with applicable requirements, and aligned with the Bank’s risk appetite.

- Bachelor’s degree in quantitative or business discipline such as Statistics, Economics, Finance, Mathematics, Engineering, Computer Science, or a related field; advanced degree is an asset.
- Experience in credit risk management, underwriting, lending strategy, customer management, portfolio analytics, or a related financial-services discipline.
- Strong analytical and problem-solving skills, with the ability to interpret large datasets, identify meaningful patterns, and convert findings into practical risk strategies.
- Proficiency with analytical tools such as SQL, Python, R, or equivalent, together with advanced Excel skills; experience with data visualization tools is an asset.
- Understanding of credit bureau information, risk scores, underwriting concepts, line assignment, affordability or debt-capacity considerations, and portfolio performance metrics.
- Ability to balance growth, profitability, customer experience, and credit risk within established governance and regulatory requirements.
- Strong written and verbal communication skills, including the ability to explain analytical findings and recommendations to technical and non-technical audiences.
- Demonstrated attention to detail, sound judgment, intellectual curiosity, and the ability to manage multiple priorities in a collaborative environment.
- Knowledge of the Canadian consumer lending and regulatory environment is an asset.

Employment eligibility to work with American Express is required as the company will not pursue visa sponsorship for these positions

The job posting is for an existing vacancy.

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 committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”). If you have a disability and need accommodation, please speak with the Recruiter for more information.

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