Credit Risk Governance & Controls Manager

American Express; Greater London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

A global financial services firm is seeking a Credit Risk Governance & Controls Manager in Greater London. This role focuses on ensuring compliance with regulatory expectations while driving good customer outcomes. Candidates should have a solid understanding of UK consumer credit regulations and experience in governance roles. The position requires strong organizational skills and the ability to manage multiple priorities. Good communication skills are essential for clear articulation of regulatory topics. A flexible working model and competitive benefits are offered.

Benefits

Competitive base salaries

Bonus incentives

Medical and dental benefits

Flexible working model

Paid parental leave

Career development opportunities

Qualifications

• Strong working knowledge of UK consumer credit regulation, including FCA CONC and Consumer Duty.
• Experience in credit risk, operational risk, compliance, or governance roles.
• Proven ability to manage governance processes and control frameworks.

Responsibilities

• Translate regulatory expectations into compliant processes.
• Partner with Operational Risk to enhance oversight.
• Prepare high-quality documentation for audits and risk reviews.
• Manage Operational Risk Events driving timely escalation.
• Support ongoing updates to Credit Risk policies and standards.

Skills

UK consumer credit regulation knowledge

Communication skills

Organizational skills

Governance process management

Job description

At American Express,ourcultureisbuilton a 175-yearhistoryofinnovation,shared values and LeadershipBehaviors, and anunwaveringcommitmenttobackourcustomers,communities, andcolleagues. AspartofTeam Amex,you’llexperiencethispowerfulbackingwithcomprehensivesupportforyourholisticwell-beingandmanyopportunitiestolearnnewskills,developasaleader, andgrowyourcareer.

Here,yourvoiceandideasmatter,yourworkmakesanimpact, andtogether,youwillhelpusdefinethefutureofAmerican Express.

How will you make an impact in this role?

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.

The responsibilities include:

• Translate regulatory and enterprise expectations into practical first-line processes that enable compliant, customer-centric decision making.
• Partner with Operational Risk and Compliance to strengthen monitoring routines, enhance oversight, and prevent recurrence of issues.
• Manage Operational Risk Events end-to-end, driving timely escalation, thorough root-cause analysis, and sustainable remediation.
• Support ongoing updates to Credit Risk policies, standards, and operating manuals, ensuring they remain current and aligned to regulatory expectations.
• Prepare clear, high-quality documentation for audits, risk reviews, and regulatory assessments, ensuring strong evidence and timely responses.
• Collaborate closely with Compliance, Legal, Data Governance, Product, and second-line functions to maintain alignment on regulatory and policy requirements.
• Communicate complex regulatory or risk topics clearly and persuasively, tailoring messages for both technical and non-technical audiences.

Minimum Qualifications:

• Strong working knowledge of UK consumer credit regulation, including FCA CONC, Consumer Duty, LSB standard, CCA etc.
• Experience in a credit risk, operational risk, compliance, or governance role within a regulated financial services institution.
• Proven ability to manage governance processes, control frameworks, or regulatory change initiatives.
• Experience handling Operational Risk Events and coordinating cross-functional remediation work.
• Excellent written and verbal communication skills, with the ability to influence across teams.
• Strong organizational skills and the ability to manage multiple priorities in a fast-paced environment.
• A proactive, detail-oriented mindset with a commitment to robust governance and good customer outcomes.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

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.