Analyst-Risk Management

The Commercial Credit Risk team is responsible for end-to-end credit risk strategy for Canada’s corporate client portfolio, inclusive of underwriting, limit management, financial gathering, card authorization, case set-up, and collection policies & processes. The incumbent will be responsible for driving innovation and change across these functional areas through advanced analytics, problem-solving, cross-functional collaboration, and strong follow-through.

This position reports to the Director, Commercial Credit Risk at Amex Bank of Canada.

• Conduct analyses to understand client behavior; design credit solutions that deliver industry-leading credit results while enabling profitable growth 
• Monitor credit metrics and functional KPIs, and track progress against targets 
• Collaborate with Credit & Fraud Risk (CFR) Centers of Excellence to optimize credit decisions, strengthen credit policies, and enhance risk controls
• Monitor end-to-end processes, and perform rigorous testing and validation to ensure operational excellence 
• Partner with Sales, Account Development, Credit Operations, Commercial Rating and Underwriting, Product Management, Marketing, and other Business Unit teams to elevate the market’s credit risk management capabilities
• Work with Risk & Compliance (2^nd Line) and Internal Audit (3^rd Line) to support and strengthen Amex Bank of Canada governance policies, processes, and committees

• Required Bachelor's degree in engineering, statistics, mathematics, econometrics, data science, operations research, or a related analytical field
• Preferred Master’s degree in an analytical field or prior work experience in risk management, decision science, or data analytics
• Strong programming skills and ability to structure complex analysis leveraging multiple large data sources
• Thought leadership, problem-solving, and analytical skills with the ability to translate data into insights and actionable strategies
• Self-motivated, results-driven, and intellectually curious
• Strong project-management skills
• Proven ability to build productive relationships and collaborate with cross-functional partners to achieve shared goals
• Ability to learn quickly, work independently, and have an ownership-mindset
• Clear, effective written and oral communications skills