Description
Credit and Fraud Risk (CFR) is a integral 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.
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 wi

📌 Credit Risk Analyst (Madrid)
🏢 American Express
📍 Madrid