American Express
Credit Risk Governance & Controls Manager
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Credit Risk Governance & Controls Manager
Credit Risk Governance & Controls Manager
We are seeking a Credit Risk Governance & Controls Manager to join our UK Credit Risk organization, led by the 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 in the UK market, ensuring they are compliant, effective, and future-ready. You will work closely with Compliance, Legal, Operational Risk, Enterprise Risk, and other stakeholders 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,
- 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 with 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.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Qualifications
Essential
- 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—attention to detail is critical.
- 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 organisational 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.
Additional
Depending on factors such as business needs, location, cost, and applicable laws, American Express may provide visa sponsorship for certain positions.
Get help with your application
Your very own career expert that helps elevate your application to the next level.
About Us
At American Express, our 175-year history is built on innovation, shared values, and an unwavering commitment to our customers, communities, and colleagues. We deliver differentiated products and world-class service with a strong risk mindset, ensuring we uphold our brand promise of trust, security, and integrity.
Joining Team Amex means:
- Comprehensive support for your holistic well-being,
- Opportunities to learn, develop as a leader, and grow your career,
- A culture where your voice and ideas matter, and
- Collective impact in defining the future of American Express.
About The Team – Benefits
We provide benefits that support your holistic well-being:
Development & Growth
- Career development and training opportunities.
Financial & Well-being Support
- Competitive base salaries and bonus incentives.
- Support for financial well-being and retirement.
- Flexible working models (hybrid, onsite, or virtual).
Wellness & Health
- Comprehensive medical, dental, vision, life insurance, and disability benefits (location-dependent).
- Generous paid parental leave policies (location-dependent).
- Free access to global on-site wellness centers (nurses and doctors, location-dependent).
- Free, confidential counselling support through Healthy Minds.
Legal Considerations
Offer of employment is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills
Location