Analyst-Risk Management

American Express
Bengaluru
Workplace: HybridFull timeFunction: Legal, Risk & Compliance0Education: bachelorsSkills: ["Financial analysis","Risk assessment","Quantitative interpretation","Stakeholder collaboration","Credit memorandum preparation"]

Assess and underwrite institutional credit exposures by reviewing business, financial, industry, and country risks, and by incorporating internal and external rating model outputs. Build credit assessments for the need for credit extension, relationship profitability, and program structures. Partner with front office sales, risk teams, and credit administration while preparing company- and industry-level credit memorandums and recommendations to improve PD estimation.

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FursaFursa
American Express
American Express
23 hours ago

Analyst-Risk Management

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Canonical indexed version, validated from employer's careers page.

Source: Company careers pageValidated by: Fursa AI
Last checked: 14 hours agoStatus: Live
Reposted: similar role first listed 2 months ago

Job Summary

Assess and underwrite institutional credit exposures by reviewing business, financial, industry, and country risks, and by incorporating internal and external rating model outputs. Build credit assessments for the need for credit extension, relationship profitability, and program structures. Partner with front office sales, risk teams, and credit administration while preparing company- and industry-level credit memorandums and recommendations to improve PD estimation.
Location: Bengaluru
Workplace: Hybrid
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Entry level

Key Responsibilities

  • •Underwrite credit exposures by evaluating business, financial, industry, and country risks.
  • •Use internal and external rating model outputs to support credit assessments.
  • •Assess credit extension needs, relationship profitability, and program structures for institutional exposures.
  • •Interact with front office sales, business unit risk partners, and credit administration teams.
  • •Prepare company-specific and industry-wide credit memorandums and recommendations to improve PD estimation.

Pay and Benefits

Perks:Annual BonusRetirementHealth InsuranceDentalVisionLife InsuranceDisability BenefitsParental LeaveHybrid WorkCounseling Support

Key Requirements

  • •0–2 years experience rating and/or underwriting at a leading financial institution or rating agency.
  • •Bachelor’s degree with coursework in finance, accounting, economics, or statistics (high GPA).
  • •Proficiency in reviewing corporate financial statements and performing fundamental financial analysis to assess obligor creditworthiness.
  • •Comfort with GAAP/IFRS, corporate valuation, and forecasting.
  • •Familiarity with quantitative credit models (e.g., Moody’s RiskCalc, CreditEdge) and interpreting outputs, with ability to support deviations from model recommendations.
Experience:0Financial servicesCredit underwritingRating agenciesCommercial credit
Education:Bachelor's in Finance, accounting, economics, or statisticstop tier university
Skills:Financial analysisRisk assessmentQuantitative interpretationStakeholder collaborationCredit memorandum preparation
Certifications:Chartered Financial Analyst (CFA)
Tech Stack:MS ExcelVBAGAAPIFRSMoody’s RiskCalcCreditEdge

Company Brief

American Express
Provides global payment, credit, and travel-related financial services for consumers and businesses. Best known for its charge and credit cards, merchant payment network, and premium customer rewards and servicing.
Industry: Payments
Company Size: Enterprise (1,001+ employees)
Revenue: USD 1B+
Growth: Public Company
Valuation: Public Company (Market Cap in USD)
Funding: IPO / Publicly Listed
Headquarters: New York City, United States
Founded: 1850
WebsiteLinkedIn