Head of Credit Risk

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. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.


This is an exciting and high accountability role within Fraud Risk Management based in Brighton, UK. The director will have responsibility of end-to-end fraud risk management for EMEA markets. This position will manage the design and implementation of strategies to achieve favorable fraud results with minimal customer disruption through process automation and machine learning. In addition, this position involves collaboration across various teams within American Express, including central fraud, CBO, operations, legal, compliance, technology, and other cross functional teams. This position will interact independently with all senior leaders within EMEA leadership team.


Formal disciplinary action taken in relation to conduct rule breaches will be reported to the Financial Conduct Authority. The names of Certified staff will be published on the Financial Services Register.


Lead the end-to-end risk management and development of risk capabilities for Consumer, Corporate in the region.
Represent Global Fraud Risk in country committees and at times with regulators
Optimize integration and usage of capabilities and data such as credit bureaus, external fintech partners and vendors to deploy the most innovative infrastructure in the industry to control fraud
Lead the team with external perspective to identify new data that can enhance the fraud strategy and decision science models.
Partner with business teams in the market to support the launch of new products/ capabilities and ensure fraud risk is mitigated appropriately
Strong partnership with Central Fraud risk team to identify opportunities through data insights and build innovative risk servicing experiences that deepen our digital connection with prospects and customers.
Design merchant fraud control strategies through in-depth portfolio and process review, identifying risk concerns and designing/refining risk policy and control
Drive insights on portfolio performance trends and effectively manage provision line while identifying portfolio growth opportunities.
Ability to analyze structured and unstructured Fraud Risk data and translate data into quantifiably and meaningful fraud prevention solutions. Deliver on projects to achieve business results, influence, and drive alignment without direct authority across multiple business units
Technical excellence, including advanced problem-solving skills, understanding of fraud solutions in the marketplace, ability to use analytics to derive optimal solutions, ability to contribute to machine learning enhancements
Knowledge of SAS, Java, Hive, Yellow Brick, Python, or SQL is a plus
An Advanced Quantitative Degree in Business Administration, Engineering, Statistics or Economics And/or Equivalent Work Experience Will Be Preferred

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions. 
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) 
Career development and training opportunities
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.