OverviewSenior Credit Risk Analyst role at American Express.Get AI-powered advice on this job and more exclusive features.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?You will join a team responsible for supporting and collaborating in the definition of credit strategies and models, credit risk monitoring and governance for the acquisition of individuals and small companies. You will work on projects to implement automated monitoring systems, deep-diving on identifying opportunities for growth. You will be involved with the CFR International Centre of Excellence teams on defining and implementing best-in-class modelling solutions and strategies dedicated to acquisition for individuals and small companies.ResponsibilitiesCredit Risk Data and Processes: Identify new and innovative data points and sources to enhance our models and strategies, then support the integration of the new data in our systems. Identify opportunities for process efficiencies and contribute to work flow/process change redesign, forming a good understanding of the specific product or process.Credit Risk Analysis: analyse, assess, and quantify the impact and probability of various risk scenarios and select the most appropriate course of action for the given situation.Insights and Reporting: Develop, create and maintain credit risk reporting. Lead execution of complex reports, identifying and interpreting patterns and trends, and translating those insights into actionable recommendations.Computer Skills: Independently supports business processes with comprehensive understanding and effective use of standard office software packages (SQL and Python).Credit Risk Management: Keep track of risk parameters, identifying any deviations and reporting them to senior colleagues.Compliance Management: Works with guidance to achieve full compliance with applicable policy and regulations.Analyse Alternatives and Recommend Solutions: Develop expert understanding of end-to-end customer journeys, understand the systems where the data resides, the processes by which data is collated and stored and the methods available for data retrieval.Minimum QualificationsSTEM bachelor’s degree required.Minimum 4 years of relevant work experience in Credit Risk, Modelling, Consulting, Data and Analytics.Experience in automated reporting, models and analytical systems.Strong analytical skills and professional proficiency in SQL and Python and automation tools (PowerBI).Understanding of Credit Risk Modelling (preferred if Machine Learning).Demonstrated ability to work collaboratively in a team environment and a strong willingness to learn.Proficient in English and Italian.Credit Bureau knowledge is a plus.Employment eligibility to work with American Express in Italy is required as the company will not pursue visa sponsorship for these positions.BenefitsCompetitive base salariesBonus incentivesSupport for financial-well-being and retirementComprehensive 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 needGenerous 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 programCareer development and training opportunitiesOffer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
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