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American Express

Analyst - Risk Management

2225 Sheppard Avenue East, Toronto, ON, M2J 5C2, Canada

Job type: Full-time
Apply by: Oct 16, 2026
Posting language: English
Posted: Oct 1, 2026

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Original job description

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.

Qualifications

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.

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.

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.

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More about this job

Responsibilities

The analyst will develop, evaluate, and monitor credit risk strategies for initial line assignments and line-increase decisions for consumer and small business portfolios. They will also conduct portfolio analytics, identify emerging risks, and partner with cross-functional teams to ensure strategies align with the bank's risk appetite.

Requirements

Candidates must have a bachelor's degree in a quantitative or business discipline and experience in credit risk management or a related financial-services field. Proficiency in analytical tools such as SQL, Python, or R is required, along with strong analytical and communication skills.

Skills

Credit risk management
Underwriting
Portfolio analytics
SQL
Python
R
Excel
Data visualization
Risk-return optimization
Strategy development
Financial modeling
Statistical analysis
Governance
Regulatory compliance
Communication skills
Problem-solving

Benefits

Competitive base salaries
Bonus incentives
Retirement support
Medical insurance
Dental insurance
Vision insurance
Life insurance
Disability benefits
Paid parental leave
Wellness centers
Counseling support
Career development and training

Visa sponsorship

Not detected in the job text

Keywords

Credit Risk
Risk Management
Underwriting
Portfolio Analytics
SQL
Python
R
Data Analysis
Financial Services
Strategy Development
Governance
Regulatory Compliance
Decision Science
Credit Bureau
Debt Capacity
Affordability
Risk Appetite
Segmentation
Performance Monitoring
Data Quality
Consumer Lending
Quantitative Analysis
Statistics
Economics
Finance
Mathematics
Engineering
Computer Science
Risk-adjusted Profitability
Stakeholder Management

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