AddressYou Lead the Way. We’ve Got Your Back.
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let's lead the way together.
How will you make an impact in this role?
Commercial Risk team is responsible for deciding strategies pertaining to acquisition and ensuring portfolio hygiene for the entire corporate cards portfolio in India. Further, the team also monitors and manages the risk of large institutional exposures which are fundamentally underwritten post a through manual review.
Analyst will be based out of India, and responsible for rating and underwriting credit exposures predominantly for Indian portfolio. Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures.
Analysts will have opportunity to interact with various teams across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role.
Responsibilities will include:
- Monitoring credit metrics, providing insights for portfolio trends, and executing various risk strategies.
- Conduct comprehensive risk assessments, identifying potential risks and proposing mitigation strategies to safeguard the organization's financial health.
- Stay abreast of industry trends, emerging risks to continuously improve and adapt the risk underwriting framework.
- At least 2 years of experience in credit Risk Management working on Commercial credit/lending
Qualifications:
- Bachelor's or advanced degree in a relevant field (e.g., Finance, Statistics, Risk Management).
- Fundamental knowledge in Commercial/Corporate Finance and financial analysis
- Strong analytical skills, with the ability to interpret complex data sets and draw meaningful conclusions.
- Fundamental knowledge of regulatory requirements related to Risk Management in the financial industry.
- Excellent communication and interpersonal skills for effective collaboration with various stakeholders.
- Demonstrated ability to lead initiatives, make strategic decisions, and implement changes in response to evolving risk landscapes.
- Professional certifications such as CFA or FRM (Financial Risk Manager) or similar is a plus.
- Strong programming skills (SQL as a minimum) required for data extraction and analysis
We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
- 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 an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
