Analyst-Risk Management
Toronto, ON, Canada(Hybrid)
**Job Description**
The Commercial Credit Risk team is responsible for end-to-end credit risk strategy for Canada's corporate client portfolio, inclusive of underwriting, limit management, financial gathering, card authorization, case set-up, and collection policies & processes.

The incumbent will be responsible for driving innovation and change across these functional areas through advanced analytics, problem-solving, cross-functional collaboration, and strong follow-through.

This position reports to the Director, Commercial Credit Risk at Amex Bank of Canada.
**Responsibilities**
Conduct analyses to understand client behavior; design credit solutions that deliver industry-leading credit results while enabling profitable growth
Monitor credit metrics and functional KPIs, and track progress against targets
Collaborate with Credit & Fraud Risk (CFR) Centers of Excellence to optimize credit decisions, strengthen credit policies, and enhance risk controls
Monitor end-to-end processes, and perform rigorous testing and validation to ensure operational excellence
Partner with Sales, Account Development, Credit Operations, Commercial Rating and Underwriting, Product Management, Marketing, and other Business Unit teams to elevate the market's credit risk management capabilities
Work with Risk & Compliance (2 nd
Line) and Internal Audit (3 rd
Line) to support and strengthen Amex Bank of Canada governance policies, processes, and committees
**Qualifications**
Required Bachelor's degree in engineering, statistics, mathematics, econometrics, data science, operations research, or a related analytical field
Preferred Master's degree in an analytical field or prior work experience in risk management, decision science, or data analytics
Strong programming skills and ability to structure complex analysis leveraging multiple large data sources
Thought leadership, problem-solving, and analytical skills with the ability to translate data into insights and actionable strategies
Self-motivated, results-driven, and intellectually curious




Strong project-management skills
Proven ability to build productive relationships and collaborate with cross-functional partners to achieve shared goals
Ability to learn quickly, work independently, and have an ownership-mindset
Clear, effective written and oral communications skills
The stated salary range represents the expected compensation for this job requisition.

Ultimately, in determining your pay, we'll consider your location, experience, and other job-related factors.

Employment eligibility to work with American Express is required as the company will not pursue visa sponsorship for these positions
The job posting is for an existing vacancy.

We back you with perks 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




American Express is committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”).

If you have a disability and need accommodation, please speak with the Recruiter for more information.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

At American Express, our culture is built on a 175-year history of innovation, shared values
(https://www.americanexpress.com/en-us/company/who-we-are/) and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues.

From delivering differentiated products to providing world-class customer service, we operate with a solid risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our 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.
**Job Info**
Job Identification
26015371
Job Category
Risk
Posting Date
10/16/2026, 02:40 PM
Apply Before
10/31/2026, 04:00 AM
Job Schedule
Full time
Locations
2225 Sheppard Avenue East, Toronto, ON, M2J 5C2, CA(Hybrid)
Salary Range
$68000 - $102000 annually + bonus + perks
Career Area
Analytics & Risk Management
Return to Jobs List
(https://careers.americanexpress.com/en/sites/CX_1/jobs)

📌 Analyst-Risk Management (Toronto)
🏢 American Express
📍 Toronto