Identify, develop, and implement capabilities to enhance customer risk assessments

Leverage organizational data to derive analytical insights that shape business strategy

Collaborate with Compliance, Legal, Data Privacy, and other departments

Understand drivers of credit performance indicators and implications for trends and forecasts

Monitor customer experience in the market

Diagnose problems and identify opportunities for improvement

Work with partners and stakeholders to implement improvements

Implement risk-driven strategies to profitably grow billed business

Reduce unnecessary point-of-sale disruptions and improve customer experience

Collaborate with Center-of-Excellence teams developing decision science tools and risk management capabilities

Realize digital innovation strategies that drive customer acquisition and engagement

Interact with business partners across all organizational levels throughout the credit risk lifecycle

Requirements

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

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; the company will not pursue visa sponsorship for these positions

Successful completion of a background verification check, subject to applicable laws and regulations

Core Competencies Demonstrates expertise in data analytics and credit risk management, leveraging advanced statistical methods and programming skills in SQL and Python to drive strategic insights and enhance customer risk assessments. Fluent in Spanish and English, with strong interpersonal skills to collaborate effectively across departments and manage multiple projects.

Highest-signal resume keywords

Data Analytics

Credit Risk Management

SQL

Python

Fluent in Spanish and English

Hard Skills

Data Analytics

Credit Risk Management

SQL

Python

Statistical Analysis

Mathematics

Economics

Strategic Insights

Problem-Solving

Project Management

Soft Skills

Interpersonal Skills

Collaboration

Analytical Thinking

Problem-Solving

Matrix Environment Adaptability

Industry Keywords

Unsecured Consumer Lending

Payments Industry

Customer Experience

Digital Innovation

Risk-Driven Strategies

Tools & Technologies

Decision Science Tools

Risk Management Capabilities

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📌 Credit Risk Analyst (Madrid)
🏢 Jobtailor
📍 Madrid