Global Credit Risk Portfolio Manager

American Express; England; Hybrid; GBP 75,000 - 110,000; Full time

Benefits offered by this job

Competitive base salaries

Bonus incentives

Flexible working model

Job summary

American Express is seeking a Portfolio Manager within Credit and Fraud Risk (CRU) to assess credit risk for large exposures across regions and business lines. You will underwrite, structure facilities, and collaborate with front office sales, risk partners, and credit administration to ensure sound decisions.

Qualified candidates have 3–5 years in credit analysis, strong analytical skills, and the ability to articulate rationales clearly.

Qualifications

• 3–5 years’ experience conducting credit analysis at a leading financial institution or rating agency.
• Experience in commercial credit assessment and/or underwriting with the ability to underwrite and make decisions on short-term credit lines.
• Fluency in French or German language strongly preferred.
• Knowledge of analyzing credit models and PD estimation.
• Knowledge of public agency ratings and supporting analysis.
• Ability to communicate succinct rationales for credit decisions in writing and orally.

Responsibilities

• Assess and monitor credit risk across a portfolio of large exposures in assigned region, industry, and business line.
• Underwrite larger credit programs across commercial services with attention to profitability and risk.
• Interact with front office sales, risk partners, and credit administration to perform responsibilities.
• Provide secondary review of decisions relating to smaller exposures and mentor CRU Analysts.
• Stay up to date with corporate development and market sentiment to discuss industry outlook.

Skills

Credit analysis

Underwriting

Financial statements

Risk mitigation

Macroeconomic trends

Communication skills

CFA

Education

CFA or finance qualification

Job description

American Express is seeking a Portfolio Manager within Credit and Fraud Risk (CRU) to assess credit risk for large exposures across regions and business lines. You will underwrite, structure facilities, and collaborate with front office sales, risk partners, and credit administration to ensure sound decisions.

Qualified candidates have 3–5 years in credit analysis, strong analytical skills, and the ability to articulate rationales clearly.