Analyst - Risk Management

Candidates typically face a three‑stage process: an online aptitude test lasting 30‑45 minutes, followed by a technical interview that probes risk concepts, data manipulation, and case‑study analysis, and finally an HR round focusing on cultural fit and career aspirations. The difficulty is moderate; thorough preparation of quantitative aptitude and basic data‑analysis skills helps greatly.

Round 1: Online aptitude test (quantitative, logical reasoning, verbal) → Round 2: Technical interview (risk concepts, data handling, case study) → Round 3: HR interview (cultural fit, motivations, career goals)

American Express promotes a collaborative and inclusive culture where employees are encouraged to voice ideas and take ownership. The firm offers structured learning programs, mentorship, and a healthy work‑life balance with flexible work options. Employees benefit from global exposure, regular feedback cycles, and a strong emphasis on employee well‑being.

Graduates (B.Tech/B.E., B.Sc., B.Com, MBA) from any stream; Minimum 60% aggregate or CGPA 6.0/10; Batch 2024‑2026; No active backlogs at the time of joining; Strong academic record in quantitative subjects preferred.

American Express (Amex) is a global financial services company with a strong presence in India, offering credit cards, travel services, and merchant solutions to millions of customers. With a legacy spanning over a century, Amex is known for its customer‑centric culture, innovative digital products, and a commitment to diversity and inclusion. In India, the company operates major hubs in Bengaluru, Mumbai, and Gurugram, employing thousands of professionals across technology, risk, operations, and sales. The firm consistently ranks among the top employers for fresh graduates, thanks to its robust learning ecosystem, mentorship programs, and clear career progression pathways. The Analyst – Risk Management role is designed for recent graduates who are eager to dive into the world of financial risk, data‑driven decision making, and regulatory compliance. As a member of the Risk Management team, you will support senior analysts and managers in identifying, measuring, and mitigating credit and operational risks across Amex's product portfolio. The position offers exposure to real‑time transaction data, advanced analytics tools, and cross‑functional collaboration with product, technology, and compliance teams. You will also benefit from Amex’s Healthy Minds counseling program, career development workshops, and a structured training curriculum that accelerates your professional growth. Key Responsibilities: 1. Collect, cleanse, and analyze large datasets to detect risk patterns and anomalies. 2. Assist in building risk models using statistical techniques and machine learning basics. 3. Prepare daily, weekly, and monthly risk dashboards for senior leadership. 4. Conduct root‑cause analysis of flagged transactions and recommend remediation steps. 5. Support the development of risk policies and standard operating procedures. 6. Participate in cross‑functional meetings to align risk mitigation strategies with product roadmaps. 7. Perform ad‑hoc regulatory reporting and compliance checks. 8. Contribute to continuous improvement initiatives by suggesting automation opportunities. 9. Maintain documentation of risk assessment methodologies and findings. 10. Provide timely support to the Business Continuity and Incident Management teams during crises. Tech Stack: SQL, Python (pandas, numpy), Excel, Tableau/PowerBI, basic knowledge of statistical packages (R or SAS), and exposure to cloud platforms (AWS/GCP) is advantageous. Growth Path: Successful analysts can progress to Senior Analyst, Risk Manager, and eventually to Lead Risk Officer or Head of Risk Analytics within 3‑5 years, depending on performance and additional certifications (FRM, PRM). Why Join American Express? Amex offers a vibrant, inclusive workplace where fresh talent is nurtured through mentorship, global exposure, and a clear merit‑based promotion track. The company’s emphasis on employee well‑being, flexible work arrangements, and continuous learning makes it an ideal launchpad for a long‑term career in finance and analytics.