At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do. Job Description U.S. Bank Europe’s Credit Risk Management (CRM) team is seeking a Credit Risk Automation & Enablement Manager to support the evolution of the Bank’s credit risk processes and credit data systems. This role is central to modernising how Credit Risk operates - driving scalable operating models, enabling AI and automation use cases, improving the quality and accessibility of credit data, and supporting broader Risk transformation initiatives. A significant emphasis will be placed on AI‑driven process simplification, automated analytics, and modern data engineering practices to reduce manual effort, enhance reporting accuracy, and accelerate decision‑making across the credit lifecycle. This role is critical to building the CRM function of the future - one that is digital-first, data-driven, automation-enabled, and fully aligned with the enterprise-wide data and AI strategy. Success in this role will materially improve CRM’s operating efficiency, data integrity, analytical capability, and ability to scale support of U.S. Bank Europe’s growth agenda. Key Responsibilities Process Re‑Engineering & AI‑Enabled Simplification Establish and manage end‑to‑end process re-engineering initiatives to simplify, standardise, and automate Credit Risk activities across functions. Identify high‑value credit processes that can benefit from AI, machine learning, natural language tools, and agentic automation pipelines - and manage the end-to-end design, testing, and rollout of these solutions. Partner with Credit Risk SMEs to redesign manual or legacy workflows into digitally orchestrated, data-driven processes, reducing cycle time, error rates, and operational burden. Data Engineering & Pipeline Modernisation Support the design and implementation of modern credit data pipelines using data stack technologies (e.g. Apache Spark, Snowflake, relational database optimisation). Implement automated reconciliation solutions to validate data accuracy and ensure alignment with Finance, Regulatory Reporting, and upstream data sources. Reporting & Analytics Modernisation Support CRM in the transformation of Credit Risk reporting by leveraging modern data platforms, AI-enhanced analytics, and standardised data models to deliver accurate, timely, and scalable insights. Replace traditional manual reporting processes with AI-assisted data preparation and scalable pipeline-driven reporting. Data Quality & Strategy Alignment Work closely with other Risk teams, business lines, Technology, and Data Governance functions across the enterprise to improve data quality, lineage, and completeness across Credit Risk systems and reporting layers. Evaluate and rationalise technology stacks across U.S. and European entities to consolidate credit data sources and enhance interoperability for risk modelling, portfolio monitoring, and reporting. Transformation Administration Support the design, implementation, and maintenance of a CRM transformation plan, ensuring alignment with business growth strategies, regulatory expectations, and broader Risk transformation priorities. Track execution progress across transformation workstreams and escalate delivery risks where needed. Preferred Skills & Experience Technical & Data Expertise Proven experience in Automation, Transformation, Data Strategy, or Risk Management roles within a regulated environment. Hands-on familiarity with modern data stack tools (e.g. Apache Spark, Snowflake, Python, SQL), analytics solutions (e.g., Tableau, Power BI, SAS), and AI technologies (machine learning, natural language processing, automation/agentic tools). Understanding of data management disciplines: data quality, lineage, governance, metadata, and reporting architecture. Process Automation Mindset Demonstrated experience identifying or implementing AI-enabled capabilities, such as automated document interpretation, workflow orchestration, or decision-support tools. Understanding of AI governance concepts (e.g. explainability, monitoring, fairness) to ensure responsible deployment in Credit Risk. Stakeholder & Execution Skills Experience in cross-functional environments, working effectively with Technology, Data, Risk, and Business teams. Strong self-directed problem‑solving abilities, able to structure ambiguous problems and develop pragmatic transformation solutions. Excellent written and verbal communication skills, capable of translating technical concepts for non-technical stakeholders. Highly organised, self-motivated, and able to manage competing priorities and complex project demands. Additional information The role offers a hybrid / flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. This role is a 12 fixed‑term contract. This position is not eligible for visa sponsorship. Accessibility We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support. Total Rewards U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value. We offer a market-competitive compensation package that includes: Clearly defined salary ranges aligned with industry benchmarks and internal equity standards. Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance. Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness). Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria. Employee recognition programs that celebrate achievements and milestones for all. We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application. We encourage candidates to explore the full value of our offer, including monetary and non-monetary benefits, at Employee benefits and development | U.S. Bank | Elavon. Closing Date Posting may be closed earlier due to high volume of applicants. We aim to provide timely updates throughout the process and encourage early applications to ensure consideration. At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.
