American Express is hiring for the position of Analyst – Risk Management, based in Gurgaon, India (Hybrid). This is a great opportunity for candidates who want to build a career in institutional credit risk management, working within the Commercial Rating and Underwriting (CRU) team at a global financial services leader.
Job Overview
| Particular | Details |
|---|---|
| Company | American Express |
| Position | Analyst – Risk Management |
| Job ID | 26011018 |
| Qualification | Bachelor’s Degree |
| Experience | Freshers / Experienced |
| Job Type | Full-Time, Hybrid |
| Job Location | Gurgaon, Haryana, India |
| Department | Commercial Rating and Underwriting (CRU), Credit and Fraud Risk (CFR) |
| Apply Mode | Online |
About the Role
The Commercial Rating and Underwriting (CRU) team sits within the Credit and Fraud Risk (CFR) division and forms the institutional credit risk management function within American Express. As an Analyst – Risk Management, you will play a role in assessing and managing the risk of institutional exposures across all business units within American Express, globally, working with a team led from Salt Lake City with regional presence in New York, London, Singapore, and India.
Key Responsibilities
- Support the assessment and monitoring of institutional credit exposures across business units.
- Assist in determining internal credit ratings that drive the probability of default of each exposure.
- Contribute to calculating loss given default for obligors while underwriting card programs.
- Support compliance with global banking regulatory requirements as a bank holding company.
- Collaborate with regional CRU teams across New York, London, Singapore, and India.
Eligibility Criteria
Candidates with a Bachelor’s degree, from freshers to experienced professionals, can apply. Strong analytical and quantitative skills are important for assessing credit risk, along with an interest in institutional credit, corporate finance, or banking regulation.
Required Skills
- Strong analytical and quantitative skills for credit risk assessment.
- Proficiency in Excel and financial modeling basics.
- Understanding of credit rating concepts (probability of default, loss given default).
- Strong communication skills for cross-regional collaboration.
Recommended Certifications & Skills to Stand Out
For credit risk analyst roles at global banks in general, the CFA Institute’s Investment Foundations program or a foundational credit risk analysis course adds real credibility. Strong Excel modeling skills and a basic understanding of probability of default and loss given default concepts are directly relevant here. Familiarity with regulatory frameworks for bank holding companies is a strong plus for this specific team.
Salary & Benefits
American Express offers a competitive compensation package along with comprehensive benefits and the opportunity to work within a globally distributed risk management function spanning Salt Lake City, New York, London, Singapore, and India.
Career Growth Opportunities
Analysts can progress into roles such as Senior Analyst, Manager – Risk, or specialized credit rating and underwriting roles as they build deeper institutional credit risk expertise within American Express’s global CFR organization.
Why Join American Express?
American Express is a globally integrated payments company, providing customers with access to products, insights, and experiences that enrich lives and build business success. As a bank holding company, American Express maintains rigorous global banking compliance standards across its risk management functions.
Selection Process
- Online Application
- Resume Screening
- Interview Rounds
- Final Offer
How to Apply
Interested candidates should apply through the official American Express careers portal before the position closes.
👉 Apply for Analyst – Risk Management Role at American Express
About the Company
American Express is a globally integrated payments company, providing customers with access to products, insights, and experiences that enrich lives and build business success, backed by one of the world’s most recognized financial brands.
