Analyst-Risk Management

The typical interview experience at American Express includes a technical interview, case study or presentation, and HR round. The company looks for candidates with strong analytical skills, knowledge of financial analysis, and experience in credit risk management. It's essential to be prepared with examples from your past experience and to demonstrate your understanding of the company's values and culture.

American Express is a company built on innovation, shared values, and leadership behaviors. The company offers a strong risk mindset, comprehensive support for holistic well-being, and opportunities to learn new skills, develop as a leader, and grow your career.

0-2 years experience rating and/or underwriting at a leading financial institution or rating agency; Bachelor's degree from a top-tier university with high GPA and a degree (or substantial coursework) in finance, accounting, economics, or statistics; Chartered Financial Analyst program candidacy a plus; Proficiency with MS Excel, VBA will be a plus

Round 1: Technical interview; Round 2: Case study or presentation; Round 3: HR (based on company knowledge)

American Express is a 175-year-old company built on innovation, shared values, and leadership behaviors. 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. The CRU team plays a critical role in assessing and managing the risk of institutional exposures across all business units within American Express, and in all regions globally. Credit exposures are primarily generated through corporate and small business card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity. CRU is led from Salt Lake City with regional teams in New York, London, Singapore, and India. In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. 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. As an Analyst-Risk Management, you will be based out of India and responsible for underwriting credit exposures predominantly for the English-speaking markets. Fundamental analysis incorporates a thorough review of business, financial, industry, and country risks 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 the 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. The role requires experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions. Key responsibilities include: - 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 - Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting - 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 - Comfort with public agency ratings and supporting analysis - 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 The company offers a competitive base salary, bonus incentives, support for financial-well-being and retirement, comprehensive medical, dental, vision, life insurance, and disability benefits, flexible working model, generous paid parental leave policies, free access to global on-site wellness centers, free and confidential counseling support, and 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. The offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. The company culture is built on a strong risk mindset, ensuring the continued upholding of the brand promise of trust, security, and service. As part of Team Amex, you'll experience comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Your voice and ideas matter, your work makes an impact, and together, you will help define the future of American Express.