We are seeking a Credit Risk Governance & Controls Manager to join our UK Credit Risk organization led by UK Chief Risk Officer. Our mission is to deliver responsible, sustainable growth through data-driven, well-governed credit strategies. You will play a critical role in ensuring that our credit risk strategies across the card lifecycle meet UK regulatory expectations—FCA CONC, Consumer Duty, and affordability rules—to drive good customer outcomes and align with our enterprise risk framework.
In this role, you will own first-line governance for credit risk processes and controls for UK market, ensuring they are compliant, effective, and future-ready. You will work closely with Compliance, Legal, Operational Risk, Enterprise Risk, and other partners to embed strong regulatory discipline and influence strategic decisions across the business.
This is an excellent opportunity for someone with deep regulatory knowledge of unsecured lending and hands-on experience strengthening governance and controls within a UK regulated institution.
Responsibilities- Translate regulatory and enterprise expectations into practical first-line processes that enable compliant, customer-centric decision making.
- Partner with Operational Risk and Compliance to strengthen monitoring routines, enhance oversight, and prevent recurrence of issues.
- Manage Operational Risk Events end-to-end, driving timely escalation, thorough root-cause analysis, and sustainable remediation.
- Support ongoing updates to Credit Risk policies, standards, and operating manuals, ensuring they remain current and aligned to regulatory expectations.
- Prepare clear, high-quality documentation for audits, risk reviews, and regulatory assessments, ensuring strong evidence and timely responses.
- Collaborate closely with Compliance, Legal, Data Governance, Product, and second-line functions to maintain alignment on regulatory and policy requirements.
- Communicate complex regulatory or risk topics clearly and persuasively, tailoring messages for both technical and non-technical audiences.
- Mandate : Coding skills in SQL / Python.
- Strong working knowledge of UK consumer credit regulation, including FCA CONC, Consumer Duty, LSB standard, CCA etc.
- Experience in a credit risk, operational risk, compliance, or governance role within a regulated financial services institution. Pay attention to detail.
- Proven ability to manage governance processes, control frameworks, or regulatory change initiatives.
- Experience handling Operational Risk Events and coordinating cross-functional remediation work.
- Excellent written and verbal communication skills, with the ability to influence across teams.
- Strong organizational skills and the ability to manage multiple priorities in a fast-paced environment.
- A proactive, detail-oriented mindset with a commitment to robust governance and good customer outcomes.
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.
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.
About the TeamWe 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
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
Skills Required
- Coding skills in SQL and Python
- Strong working knowledge of UK consumer credit regulation (FCA CONC, Consumer Duty, LSB standard, CCA)
- Experience in credit risk, operational risk, compliance, or governance within a regulated financial services institution
- Proven ability to manage governance processes, control frameworks, or regulatory change initiatives
- Experience handling Operational Risk Events and coordinating cross-functional remediation
- Excellent written and verbal communication skills with influencing ability
- Strong organizational skills and ability to manage multiple priorities
- Proactive, detail-oriented mindset with commitment to robust governance and good customer outcomes
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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Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
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Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
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Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete 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.
