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.

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. 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.

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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

American Express

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Credit Risk Governance & Controls Manager