Analyst-Risk Management

American Express
Bengaluru
Workplace: HybridFull timeFunction: Legal, Risk & Compliance0Education: bachelorsSkills: ["Analytical thinking","Financial analysis","Risk assessment","Communication","Quantitative analysis"]

Assess and manage institutional credit risk by rating and underwriting credit exposures for English-speaking markets. Perform fundamental business and financial analysis, interpret quantitative credit model outputs, and support credit extension decisions and profitability. Partner with front office sales, risk teams, and credit administration, preparing credit memorandums and recommendations, including macroeconomic-driven updates to PD estimation.

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FursaFursa
American Express
American Express
2 days 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: 3 hours agoStatus: Live
Reposted: similar role first listed 1 month ago

Job Summary

Assess and manage institutional credit risk by rating and underwriting credit exposures for English-speaking markets. Perform fundamental business and financial analysis, interpret quantitative credit model outputs, and support credit extension decisions and profitability. Partner with front office sales, risk teams, and credit administration, preparing credit memorandums and recommendations, including macroeconomic-driven updates to PD estimation.
Location: Bengaluru
Workplace: Hybrid
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Entry level

Key Responsibilities

  • •Rate and underwrite credit exposures using fundamental analysis of business, financial, industry, and country risk.
  • •Interpret internal/external rating model outputs and provide analysis supporting decisions and recommendations.
  • •Assess the need for credit extension, relationship profitability, and program structures.
  • •Prepare company-specific and industry-wide credit memorandums.
  • •Collaborate across teams, including front office sales, risk partners, and credit administration, to support underwriting decisions.

Pay and Benefits

Perks:Life InsuranceDisabilityDentalVisionPaid ParentalRetirementHealth Insurance

Key Requirements

  • •0–2 years of experience rating and/or underwriting at a financial institution or rating agency.
  • •Bachelor’s degree in finance, accounting, economics, or statistics (or substantial coursework).
  • •Ability to perform fundamental financial analysis of corporate financial statements to assess obligor creditworthiness.
  • •Comfort with GAAP/IFRS accounting, corporate valuation, and forecasting.
  • •Familiarity with quantitative credit models and ability to interpret model outputs and defend deviations.
Experience:0Credit riskRatingUnderwritingCommercial lendingFinancial services
Education:Bachelor's in finance, accounting, economics, or statistics
Skills:Analytical thinkingFinancial analysisRisk assessmentCommunicationQuantitative analysis
Certifications:Chartered Financial Analyst (CFA) program candidacy
Languages:English
Tech Stack:GAAPIFRSMoody’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