Business Analyst supporting agile software development at CIEE, a nonprofit study abroad and intercultural exchange organization. Translating business needs into requirements, dashboards, testing, and process improvements.
About the role
- Credit Risk Analyst optimizing line-assignment and increase strategies for American Express Canada’s consumer and small-business portfolios. Monitoring risk, profitability, governance, and customer outcomes.
Responsibilities
- Develop and enhance Initial Line Assignment strategies for new accounts using application information, internal data, credit bureau data, risk scores, debt capacity, and other relevant attributes.
- Design and manage proactive and reactive line-increase strategies for existing customers, incorporating risk eligibility, income, tenure, spending, repayment behavior, exposure, and affordability considerations.
- Evaluate credit-line proposals through risk-adjusted profitability, customer appropriateness, and sustainable lending lenses while maintaining alignment with approved risk appetite, policies, procedures, and authority levels.
- Conduct portfolio analytics, segmentation, and performance monitoring to assess approval rates, line sizes, utilization, delinquency, write-offs, and other key outcomes.
- Identify emerging risks, trends, and opportunities; recommend changes to decision rules, models, cut-offs, caps, suppressions, and other strategy parameters.
- Prepare documentation, management reporting, and governance materials, including rationale, impact assessments, control considerations, and timely escalation of material trends or exceptions.
- Partner with Decision Science, Centre of Excellence, Technology, Product, Finance, Compliance, Legal, Credit Operations, and other stakeholders to implement strategies accurately and deliver required capabilities.
- Support validation, testing, implementation, and post-launch monitoring of systematic decision strategies and related controls.
- Maintain process discipline and data quality, and contribute to policy, procedure, audit, regulatory, and control activities.
- Translate complex analysis into concise recommendations for senior leaders and influence decisions through fact-based insights.
Requirements
- Bachelor’s degree in quantitative or business discipline such as Statistics, Economics, Finance, Mathematics, Engineering, Computer Science, or a related field; advanced degree is an asset.
- Experience in credit risk management, underwriting, lending strategy, customer management, portfolio analytics, or a related financial-services discipline.
- Strong analytical and problem-solving skills, with the ability to interpret large datasets, identify meaningful patterns, and convert findings into practical risk strategies.
- Proficiency with analytical tools such as SQL, Python, R, or equivalent, together with advanced Excel skills; experience with data visualization tools is an asset.
- Understanding of credit bureau information, risk scores, underwriting concepts, line assignment, affordability or debt-capacity considerations, and portfolio performance metrics.
- Ability to balance growth, profitability, customer experience, and credit risk within established governance and regulatory requirements.
- Strong written and verbal communication skills, including the ability to explain analytical findings and recommendations to technical and non-technical audiences.
- Demonstrated attention to detail, sound judgment, intellectual curiosity, and the ability to manage multiple priorities in a collaborative environment.
- Knowledge of the Canadian consumer lending and regulatory environment is an asset.
- Employment eligibility to work with American Express 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.
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
- Background verification check as a condition of employment
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