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.
Responsibilities- Develop and enhance Initial Line Assignment strategies for new accounts using application information, internal data, credit bureau data, risk scores, debt capacity, and other relevant attributes.
- Design and manage proactive and reactive line-increase strategies for existing customers, incorporating risk eligibility, income, tenure, spending, repayment behavior, exposure, and affordability considerations.
- Evaluate credit-line proposals through risk-adjusted profitability, customer appropriateness, and sustainable lending lenses while maintaining alignment with approved risk appetite, policies, procedures, and authority levels.
- Conduct portfolio analytics, segmentation, and performance monitoring to assess approval rates, line sizes, utilization, delinquency, write-offs, and other key outcomes.
- Identify emerging risks, trends, and opportunities; recommend changes to decision rules, models, cut-offs, caps, suppressions, and other strategy parameters.
- Prepare clear documentation, management reporting, and governance materials, including rationale, impact assessments, control considerations, and timely escalation of material trends or exceptions.
- Partner with Decision Science, Centre of Excellence, Technology, Product, Finance, Compliance, Legal, Credit Operations, and other stakeholders to implement strategies accurately and deliver required capabilities.
- Support validation, testing, implementation, and post-launch monitoring of systematic decision strategies and related controls.
- Maintain strong process discipline and data quality, and contribute to policy, procedure, audit, regulatory, and control activities.
- Translate complex analysis into concise recommendations for senior leaders and influence decisions through fact-based insights.
- 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.
The stated salary range represents the expected compensation for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.
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.
About UsAt 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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.
As part of Team Amex, you’ll experience our 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.
Skills Required
- Bachelor’s degree in Statistics, Economics, Finance, Mathematics, Engineering, Computer Science, or a related quantitative or business discipline
- Experience in credit risk management, underwriting, lending strategy, customer management, portfolio analytics, or a related financial-services discipline
- Strong analytical and problem-solving skills, including the ability to interpret large datasets and convert findings into practical risk strategies
- Proficiency with analytical tools such as SQL, Python, R, or equivalent
- Advanced Excel skills
- 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 governance and regulatory requirements
- Strong written and verbal communication skills for technical and non-technical audiences
- Attention to detail, sound judgment, intellectual curiosity, and ability to manage multiple priorities collaboratively
- Advanced degree
- Experience with data visualization tools
- Knowledge of the Canadian consumer lending and regulatory environment
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
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Strong & Reliable Incentives — Bonuses are often viewed as strong and materially boost total compensation when combined with benefits. Company-performance bonuses are highlighted as a recurring strength.
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Leave & Time Off Breadth — Paid time off and paid leave are frequently highlighted as strengths within the total rewards package. These policies support work-life balance and contribute meaningfully to overall satisfaction.
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Retirement Support — Retirement benefits are frequently mentioned as a positive component of the package. These offerings add tangible value beyond base salary.
American Express Insights
What We Do
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
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