Senior Credit Risk Analyst

American Express; Milano; Ibrido; EUR 50.000 - 70.000; Tempo pieno

Descrizione del lavoro

A global financial services company in Milan is seeking a Senior Credit Risk Analyst. The role involves analyzing credit risk data, enhancing models, and developing reports. Candidates should possess a STEM bachelor's degree, at least 4 years of experience in Credit Risk, and strong analytical skills, particularly in SQL and Python. The position offers a competitive salary and a flexible working model.

Servizi

Competitive base salaries

Bonus incentives

Flexible working model

Comprehensive medical and dental benefits

Career development opportunities

Competenze

• Minimum 4 years of relevant work experience in Credit Risk, Modelling, Consulting, Data and Analytics.
• Strong analytical skills with proficiency in SQL and Python.
• Experience in automated reporting and analytical systems.

Mansioni

• Identify innovative data points to enhance models and strategies.
• Analyze and quantify the impact of various risk scenarios.
• Develop and maintain credit risk reporting, identifying patterns and trends.

Conoscenze

Analytical skills

SQL proficiency

Python proficiency

Data analysis

Credit Risk knowledge

Formazione

STEM bachelor's degree

Strumenti

PowerBI

Descrizione del lavoro

Overview

Senior Credit Risk Analyst role at American Express.

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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. As part of Team Amex, you\'ll experience this 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.

How will you make an impact in this role?

You will join a team responsible for supporting and collaborating in the definition of credit strategies and models, credit risk monitoring and governance for the acquisition of individuals and small companies. You will work on projects to implement automated monitoring systems, deep-diving on identifying opportunities for growth. You will be involved with the CFR International Centre of Excellence teams on defining and implementing best-in-class modelling solutions and strategies dedicated to acquisition for individuals and small companies.

Responsibilities

• Credit Risk Data and Processes: Identify new and innovative data points and sources to enhance our models and strategies, then support the integration of the new data in our systems. Identify opportunities for process efficiencies and contribute to work flow/process change redesign, forming a good understanding of the specific product or process.
• Credit Risk Analysis: analyse, assess, and quantify the impact and probability of various risk scenarios and select the most appropriate course of action for the given situation.
• Insights and Reporting: Develop, create and maintain credit risk reporting. Lead execution of complex reports, identifying and interpreting patterns and trends, and translating those insights into actionable recommendations.
• Computer Skills: Independently supports business processes with comprehensive understanding and effective use of standard office software packages (SQL and Python).
• Credit Risk Management: Keep track of risk parameters, identifying any deviations and reporting them to senior colleagues.
• Compliance Management: Works with guidance to achieve full compliance with applicable policy and regulations.
• Analyse Alternatives and Recommend Solutions: Develop expert understanding of end-to-end customer journeys, understand the systems where the data resides, the processes by which data is collated and stored and the methods available for data retrieval.

Minimum Qualifications

• STEM bachelor’s degree required.
• Minimum 4 years of relevant work experience in Credit Risk, Modelling, Consulting, Data and Analytics.
• Experience in automated reporting, models and analytical systems.
• Strong analytical skills and professional proficiency in SQL and Python and automation tools (PowerBI).
• Understanding of Credit Risk Modelling (preferred if Machine Learning).
• Demonstrated ability to work collaboratively in a team environment and a strong willingness to learn.
• Proficient in English and Italian.
• Credit Bureau knowledge is a plus.

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

Benefits

• 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.