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Added 14 mins ago
Project Estimation Manager [Hybrid or Remote] - Gestionnaire Estimation des Projets [Hybride ou Télétravail] | - FR
EDF power solutions North America
Montreal, QC
Full-time
…corporations, industries, communities, institutions, and investors with reliable, low-carbon energy solutions that help meet growing…
Added 14 mins ago
Senior Data Scientist
iPartner Consulting
Canada
Contract
…series forecasting, Bayesian statistics, optimization Expertise with core data science languages (predominantly with Python, and nice to have R & Scala), experience working with Snowflake…
Added 14 mins ago
Project Estimation Manager [Hybrid or Remote] - Gestionnaire Estimation des Projets [Hybride ou Télétravail] | - FR
EDF power solutions North America
Montreal, QC
Full-time
…corporations, industries, communities, institutions, and investors with reliable, low-carbon energy solutions that help meet growing…
Added 14 mins ago
Project Estimation Manager [Hybrid or Remote] - Gestionnaire Estimation des Projets [Hybride ou Télétravail] | - FR
EDF power solutions North America
Montreal, QC
Full-time
…corporations, industries, communities, institutions, and investors with reliable, low-carbon energy solutions that help meet growing…
Added 30 mins ago
Database Engineer
THE CANADIAN REAL ESTATE ASSOCIATION
Ottawa, ON
$110,000 to $135,000 CAD / year
Full-time
…performance optimization, and operational responsibilities, with Microsoft SQL Server forming a significant part of our data…
Added 45 mins ago
Senior Analyst, AI Enablement & Analytics
The Canada Life Assurance Company
Winnipeg, MB · London, ON · Toronto, ON
Proficiency with analytics and reporting tools such as Power BI, SQL, or comparable platforms.
Added 45 mins ago
Senior Consultant - Credit Risk Modelling - Toronto
EY
Toronto, ON
Significant experience and proven ability to program in pertinent languages, such as Excel, SAS, SQL, R, and Python.
Added 1 hour ago
Associate Director, AI Products Development Lead
RBC
Toronto, ON
Full-time
Programming Languages: Strong proficiency in Python (primary for AI/ML and automation), with experience in JavaScript/TypeScript and Java.
Added 1 hour ago
Senior Software Developer in Test (Development Focused)- EN
RBC
Montreal, QC
Full-time
We are seeking a top-notch, hands on Senior Software Developer who is a passionate, driven team player committed to code quality and testing excellence. The ideal candidate will play a…
Added 1 hour ago
Intern, Program/Project Control - Industrialization and Planning (Winter 2027)
Bombardier
Mississauga, ON
$17.95 to $31 CAD / hour
Volunteer
Ability to utilize various coding languages to support analytics (Python, Java, VBA, SQL, etc.)
Added 1 hour ago
Associate Director, AI Products Development Lead
RBC
Halifax, NS
Full-time
Programming Languages: Strong proficiency in Python (primary for AI/ML and automation), with experience in JavaScript/TypeScript and Java.
Added 1 hour ago
Senior Data Analyst I, Product
Mistplay
Montreal, QC
Full-time
Maîtrise du langage SQL. Expérience de l'extraction de données complexes et hautement dimensionnelles, ainsi que de la modélisation de scénarios et de l'analyse de sensibilité à l'aide…
Added 1 hour ago
Sr Full Stack AI Engineer - Calgary ,Canada (Hybrid)
Straive
Calgary, AB
Full-time
We are seeking a Senior Full Stack AI Engineer who can combine strong hands-on software engineering with technical engagement and project delivery leadership. The successful candidate will…
Added 1 hour ago
Databricks Manager
Avanade
Toronto, ON
Full-time
Lead the development of data and analytics platforms, real time intelligence and reporting solutions using Python, SQL, Microsoft Azure Data Services, Fabric, Databricks, and Snowflake.
Added 1 hour ago
Python Developer
Siri InfoSolutions, Inc.
Toronto, ON
Contract
Strong experience with Python backend development.
Added 1 hour ago
Software Development Internship (Winter 2027)
Autodesk
Toronto, ON · AMER - Canada - Ontario - Toronto - University Ave
Full-time
We’re hiring Software Developer Interns across multiple teams at Autodesk in Canada. Rather than recruiting for just one specific team, we’ll get to know your interests, experience,…
Added 1 hour ago
Software Development Internship (Summer 2027)
Autodesk
Toronto, ON · AMER - Canada - Ontario - Toronto - University Ave
Full-time
We’re hiring Software Developer Interns across multiple teams at Autodesk in Canada. Rather than recruiting for just one specific team, we’ll get to know your interests, experience,…
Added 1 hour ago
Intern, AI Data Developer (Winter)
Autodesk
Toronto, ON · AMER - Canada - Ontario - Toronto - University Ave
Full-time
As an AI Data Developer Intern on the Advanced Compliance Products (ACP) team at Autodesk, you will help build and scale the data pipelines, models, and platform integrations that power…
Added 1 hour ago
Data Scientist, Risk Modeling & Analytics
Financeit
Remote, Canada
Full-time · Remote
Foundational experience with Python, SQL, Excel, or similar analytical tools; experience building models, working with data, or automating processes is a strong asset
Added 1 hour ago
Associate Strategic Implementation Manager (24 Months Fixed Term)
The Canada Life Assurance Company
Winnipeg, MB · London, ON · Toronto, ON
Experience with Python, SQL, or other scripting and data technologies is an asset.
Added 2 hours ago
Senior Software Developer in Test (Development Focused)
Royal Bank of Canada
Montreal, QC
Full-time
We are seeking a top-notch, hands on Senior Software Developer who is a passionate, driven team player committed to code quality and testing excellence. The ideal candidate will play a…
Added 2 hours ago
Application & Integration Technical Analyst
City of Saint John
Saint John, NB
Full-time
Administer identity, access, and licensing for applications (e.g., roles and permissions, provisioning) in alignment with governance and audit requirements
Added 2 hours ago
Senior Data Analyst I, Product
Mistplay
Toronto, ON
Full-time
Maîtrise du langage SQL. Expérience de l'extraction de données complexes et hautement dimensionnelles, ainsi que de la modélisation de scénarios et de l'analyse de sensibilité à l'aide…
Added 2 hours ago
Data Scientist, Risk Modeling & Analytics
Financeit
Toronto, ON
$75,000 to $100,000 CAD / year
Full-time
Foundational experience with Python, SQL, Excel, or similar analytical tools; experience building models, working with data, or automating processes is a strong asset
Added 2 hours ago
Senior Analyst, AI Enablement & Analytics (12 Month Contract)
The Canada Life Assurance Company
Winnipeg, MB · London, ON · Toronto, ON
Proficiency with analytics and reporting tools such as Power BI, SQL, or comparable platforms.

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

Apply About employer

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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.

Apply About employer

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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