**Description** 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. This is an analyst role reporting into the Chief Credit Officer of BeNeLux and will be a part of a highly motivated Credit Risk Management team responsible for driving acquisition, underwriting and customer management strategies for the Consumer and Commercial payments business in Belgium and The Netherlands. As a key member of our Credit Risk Management team, you will work closely with risk colleagues in Europe and Internationally to learn and deploy best practices from other regions. Challenges will include developing and designing winning strategies and applications that will elevate Amex to the forefront of Consumer and Corporate financing. The position will require the incumbent to support new risk capabilities and products & services to drive growth and profitability. Whilst showcasing project management and collaborative skills. **How will you make an impact in this role?** + Monitoring credit metrics, providing insights for portfolio trends, and executing various risk strategies + Closely collaborating with Business partners (i.e. Marketing, Sales, Compliance, Operations and product) and the Risk Centre of Excellence teams to define credit risk strategies for Amex products and services + Designing and improving underwriting capabilities and acquisition strategies to on-board new clients and partnerships + Developing forward looking acquisition and portfolio monitoring analysis for the portfolios within the role remit. + Implementation of market level and global strategic enhancements **Minimum Qualifications:** + Proven experience in a financial services organization in credit risk management working on Consumer and/or Commercial portfolios in Netherlands + Degree in a quantitative area (e.g. Finance, Statistics, Economics, Mathematics and Engineering) is preferred + Fluent in English (Dutch is beneficial) + Strong programming skills (SQL as a minimum), experience with Big Data programming languages such as R, PYTHON a plus + Demonstrated ability to work independently, good communication and persuasion skills and an ability to translate technical analysis into business insights and recommendation. Employment eligibility to work with American Express in the Netherlands is required as the company will not pursue visa sponsorship for these positions. **Qualifications** We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: + 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. **Job:** Risk **Primary Location:** Netherlands-Netherlands-Amsterdam **Schedule** Full-time **Req ID:** 26002031