American Express is hiring for the position of Analyst – Risk Management in Gurgaon, India. Candidates with a Bachelor’s degree 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 degree |
| Experience | 0-2 (Years) |
| Location | Gurgaon, India (Hybrid) |
Key Responsibilities:
- Evaluate and underwrite credit exposures for predominantly English-speaking markets while ensuring compliance with the organization’s credit risk policies and guidelines.
- Conduct comprehensive credit analysis by assessing business performance, financial statements, industry trends, and country-specific risks to support informed credit decisions.
- Utilize internal and external credit rating models to evaluate creditworthiness and support underwriting recommendations.
- Assess the purpose and necessity of credit extensions, analyze relationship profitability, and evaluate appropriate program structures.
- Prepare accurate credit assessments and recommendations based on detailed financial and risk analysis.
- Collaborate with front office sales teams, business unit risk partners, and credit administration teams to facilitate effective credit evaluation and decision-making.
- Communicate credit findings, risk assessments, and recommendations clearly to internal stakeholders.
- Ensure timely completion of underwriting activities while maintaining high standards of accuracy, compliance, and risk management.
- Support effective portfolio risk management by identifying potential risks and recommending appropriate mitigation strategies.
Eligibility Criteria:
- Bachelor’s degree from a recognized university with a strong academic record in Finance, Accounting, Economics, Statistics, or a related discipline.
- 0–2 years of experience in credit analysis, credit rating, or underwriting within a leading financial institution or credit rating agency.
- Progress toward the Chartered Financial Analyst (CFA) Program is an added advantage.
- Proficiency in Microsoft Excel; knowledge of VBA is a plus.
Preferred Skills:
- Experience in credit analysis or underwriting for commercial credit exposures ranging from small businesses and middle-market companies to large multinational organizations.
- Strong understanding of fundamental financial analysis, including the ability to interpret corporate financial statements and assess an obligor’s capacity to meet credit obligations.
- Sound knowledge of GAAP and IFRS accounting standards, corporate valuation techniques, and financial forecasting.
- Familiarity with quantitative credit risk models, such as Moody’s RiskCalc, CreditEdge, or similar tools, with the ability to interpret model outputs and justify deviations where appropriate.
- Understanding of public credit ratings and the supporting analytical methodologies.
- Knowledge of current macroeconomic trends and the ability to assess their impact on credit risk and probability of default (PD) estimations.
- Experience preparing company-specific and industry-level credit memorandums and risk assessment reports.
- Strong analytical and problem-solving skills with excellent attention to detail.
- Effective written and verbal communication skills, with the ability to present financial and credit risk assessments clearly.
- Ability to work independently while collaborating effectively with cross-functional teams in a fast-paced financial environment.
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.
How To Apply?
- First, read through all of the job details on this page.
- Scroll down and press the Click Here button.
- To be redirected to the official website, click on the apply link.
- Fill the details with the information provided.
- Before submitting the application, cross-check the information you’ve provided.
