Analyst/ Senior Analyst, Credit Risk Strategy And Analytics

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

How will you make an impact in this role?

The Line Management team leads credit line strategy for the Canadian card portfolio with the aim to optimize credit line decisions across the Card Member lifecycle. Core functions include - prospect & customer initial line assignment, proactive line increase, reactive line increase, and line reallocation. The incumbent will be responsible for driving innovation and change across these functional areas through advanced analytics, problem-solving, cross-functional collaboration, and strong follow-through.

Responsibilities:

• Conduct analyses to understand customer behavior; design lending solutions that deliver industry-leading credit results while enabling profitable growth.
• Monitor credit metrics and functional KPIs, and track progress against targets.
• Collaborate with Credit & Fraud Risk (CFR) Centers of Excellence to optimize credit decisions, strengthen credit policies, and enhance risk controls.
• Monitor end-to-end processes and perform rigorous testing and validation to ensure operational excellence.
• Partner with Lending, Product Management, Marketing, and other Business Unit teams to elevate the market’s line management capabilities.
• Work with Risk & Compliance (2nd Line) and Internal Audit (3rd Line) to support and strengthen Amex Bank of Canada governance policies, processes, and committees.
  
  

Minimum Qualifications:

• Bachelor's degree in engineering, statistics, mathematics, econometrics, data science, operations research, or a related analytical field.
• Strong programming skills and ability to structure complex analysis leveraging multiple large data sources.
• Thought leadership, problem-solving, and analytical skills with the ability to translate data into insights and actionable strategies.
• Self-motivated, results-driven, and intellectually curious.
• Strong project-management skills.
• Proven ability to build productive relationships and collaborate with cross-functional partners to achieve shared goals.
• Ability to learn quickly, work independently, and have an ownership-mindset.
• Clear, effective written and oral communications skills.
  
  

Preferred Qualifications:

• Master’s degree in an analytical field or prior work experience in risk management, decision science, or data analytics.
  
  

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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.