American Express is hiring for the position of Analyst – Risk Management in Bengaluru; Gurgaon, India. Candidates with a Bachelor’s/ Master’s Degree/ MBA are eligible to apply for this position. The complete information, eligibility criteria, and requirements are provided below.
Job Description:
| Company Name | American Express |
| Position | Analyst – Risk Management |
| Qualifications | Bachelor’s/ Master’s Degree/ MBA |
| Batch | 2018/ 2019/ 2020/ 2021/ 2022/ 2023/ 2024 |
| Experience | Freshers (0 – 2 Years) |
| Location | Bengaluru; Gurgaon, India (Hybrid) |
Key Responsibilities:
- Conduct underwriting of credit exposures, primarily for English-speaking markets, while being based in India.
- Perform fundamental analysis by reviewing business, financial, industry, and country risks, supplemented by internal and external rating model outputs.
- Assess the necessity of credit extensions, profitability of relationships, and program structures.
- Collaborate with various teams across the firm, including front office sales, business unit risk partners, and credit administration, to fulfill critical responsibilities.
Eligibility Criteria:
- 0–2 years of experience in credit rating and/or underwriting at a leading financial institution or rating agency.
- Bachelor’s degree from a top-tier university with a strong academic record, preferably in finance, accounting, economics, or statistics.
- Chartered Financial Analyst (CFA) program candidacy is a plus.
- Proficiency in MS Excel; experience with VBA is an added advantage.
Preferred Skills:
- Experience as a credit analyst or underwriter, handling commercial exposures ranging from small businesses and middle-market firms to large multinational institutions.
- Strong understanding of fundamental financial analysis, including the ability to review corporate financial statements to assess an obligor’s creditworthiness.
- Proficiency in GAAP/IFRS accounting standards, corporate valuation, and financial forecasting.
- Familiarity with quantitative credit models (e.g., Moody’s RiskCalc, CreditEdge) and the ability to interpret model outputs, including justifying deviations when necessary.
- Ability to analyze public agency ratings and supporting documentation.
- Understanding of macroeconomic trends and their impact on probability of default (PD) estimations, with the ability to provide recommendations based on business cycles.
- Experience in preparing company-specific and industry-wide credit memorandums.
About Company:
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day.
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