American Express India | Senior Analyst-Risk Management

Job responsibilities

• The CRU team plays the critical role of assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally.
• As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by the bank’s primarily regulatory, the Federal Reserve.
• Analyst will be based out of India, and responsible for rating and underwriting credit exposures predominantly for English speaking market.
• 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.

Requirements

• Experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions.
• Thorough understanding of fundamental financial analysis including the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations.
• Familiarity with quantitative credit models (such as Moody’s RiskCalc, CreditEdge, etc) and knowledge of how to interpret the outputs, and when deviation from the model has appropriate defense.
• Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle.
• Experience preparing company-specific and industry-wide credit memorandums.
• Familiarity with global markets (foreign language ability a plus).
• Bachelor’s degree from a top tier university with high GPA and a degree (or substantial coursework) in finance, accounting, economics, or statistics.

American Express

American Express is a global payments company known for its card products, merchant network and travel services. It was founded in New York in 1850.

Its Indian teams work on finance, risk, analytics, operations and technology for markets around the world. Chartered accountants typically join financial analysis, controllership and reporting teams.

• Industry: Payments and financial services
• Headquarters: New York, USA
• In India: Large teams in Gurugram and Bengaluru