Credit Risk Analyst

American Express; Madrid; Híbrido; EUR 42.000 - 66.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive base salary

Bonus incentives

Flexible working model

Comprehensive benefits

Descripción de la vacante

American Express is seeking a Credit Risk Analyst to join the Credit and Fraud Risk (CFR) group in Madrid. You will help identify, develop, and implement capabilities to enhance customer risk assessments using rich data, collaborating with Compliance, Legal, and Data Privacy to derive insights shaping business strategy.

The role offers exposure to state-of-the-art risk management tools, with a strong focus on digital servicing and cross-functional collaboration across regions.

Formación

• Advanced degree in statistics, economics, mathematics, or equivalent experience.
• Fluent proficiency in Spanish and English.
• Experience in developing strategic insights demonstrating data analytics.
• Experience in SQL and Python.

Responsabilidades

• Identify, develop, and implement capabilities to enhance customer risk assessments using data.
• Collaborate with Compliance, Legal, and Data Privacy to derive analytical insights.
• Derive insights that shape business strategy and monitor risk indicators.
• Work with Center-of-Excellence teams to deploy decision science tools and risk management capabilities.

Conocimientos

Fluent Spanish and English

Understanding of credit risk

Data analytics capabilities

Experience in unsecured lending or/pay

Educación

Advanced degree in statistics, economics, mathematics

Herramientas

SQL

Python

Descripción del empleo

Job Description

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing. The mission of Credit & Fraud Risk (CFR) is to make the right credit and fraud risk decisions – that uphold operational excellence, drive profitable growth, and accelerate innovation. We are a vigorous and powerful resource for analytics.

Responsibilities

The role of a Credit Risk Analyst will be essential to the business and all customer decisions that we make, both big and small! As a key member of the Credit Risk Management team, you will be empowered to identify, develop, and implement capabilities to enhance customer risk assessments. By leveraging our organization’s rich data, and collaborating with other departments such as Compliance, Legal, and Data Privacy, you will be able to derive analytical insights that shape our business strategy. This will require a good understanding of the drivers of credit performance indicators and the implications on trends/forecasts, monitoring the true experience of customers in the market, diagnosing problems, and seeing opportunities for improvement, and then working with partners and stakeholders to implement. Our CFR colleagues are based in different geographies across the world, which provides a great opportunity to learn and deploy standard processes from other regions. You will implement risk-driven strategies to profitably grow billed business, reduce unnecessary point-of-sale disruptions, and improve the customer experience in close collaboration with our Center-of-Excellence teams that develop state-of-the-art decision science tools and risk management capabilities. Given the strong business focus on digital servicing, you will be working at the forefront of digital innovation to realize new strategies that drive customer acquisition and engagement. This is both an exciting and rewarding role that offers a unique opportunity to gain experience across the credit risk lifecycle and to interact with a wide range of business partners across all levels within the organization.

Qualifications

• Advanced degree in statistics, economics, mathematics, or equivalent experience in a similar field of study.
• Fluent proficiency in Spanish and English.
• Experience in developing strategic insights demonstrating data analytics.
• Experience in SQL and Python.
• Understanding of / experience in credit risk management principles.
• Experience in unsecured consumer lending or in the payments industry.

Preferred Qualifications

• Strong analytical and problem-solving skills and the ability to manage multiple projects simultaneously
• Demonstrated interpersonal skills and ability to work effectively in a matrix environment

Employment eligibility to work with American Express in Spain is required as the company will not pursue visa sponsorship for these positions.

About Us

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.

About The Team

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.