Analyst-Risk Management

The typical American Express interview experience involves a range of rounds, including technical interviews, case studies, and HR interviews. The interview process is designed to assess the candidate's skills, knowledge, and fit for the role. Candidates can expect to be asked a range of questions, including technical questions, behavioral questions, and case study questions. It's essential to be well-prepared and to showcase your skills and experience throughout the interview process.

American Express has a strong culture built on innovation, shared values, and leadership behaviors. The company operates with a strong risk mindset, ensuring that they continue to uphold their brand promise of trust, security, and service. With a comprehensive benefits package and many opportunities to learn new skills, develop as a leader, and grow your career, American Express is a great place to work.

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

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

American Express is a financial services company that has been in operation for over 175 years. The company has a strong commitment to innovation, shared values, and leadership behaviors. The Commercial Rating and Underwriting (CRU) team is a critical part of the Credit and Fraud Risk (CFR) division, responsible for assessing and managing the risk of institutional exposures across all business units within American Express. The CRU team plays a vital role in determining the internal credit rating, which drives the probability of default of each exposure, and calculating 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 primary regulatory, the Federal Reserve. The CRU team is led from Salt Lake City with regional teams in New York, London, Singapore, and India. Analysts based out of India will be 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 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. The role of an Analyst-Risk Management at American Express involves a range of responsibilities, including: * 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 an 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 * 0-2 years of experience rating and/or underwriting at a leading financial institution or rating agency * Bachelor's degree from a top-tier university with a 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 a plus American Express offers a comprehensive benefits package, including competitive base salaries, bonus incentives, support for financial well-being and retirement, comprehensive medical, dental, vision, life insurance, and disability benefits, flexible working models, generous paid parental leave policies, free access to global on-site wellness centers, and free and confidential counseling support through their Healthy Minds program. The company culture at American Express is built on a strong foundation of innovation, shared values, and leadership behaviors. The company operates with a strong risk mindset, ensuring that they continue to uphold their brand promise of trust, security, and service. As part of Team Amex, you'll experience their powerful backing with 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.