American Express

Analyst-Risk Management

Posted On

Aug. 13, 2025

Location

Gurugram, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

Sept. 14, 2025

Job Description

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this 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.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Functional Description:

Global Risk and Compliance (GRC) is responsible to enhance the efficiency and effectiveness of control and compliance at American Express; to successfully identify, monitor and manage risks. This group acts as the “Second Line of Defense” in AXP Risk Management Program. Within this function, the Global Risk Oversight team’s objective is to improve risk management, strengthen controls and enable profitable growth within the risk appetite of Amex; by providing effective challenge to the first line teams.

Roles & Responsibilities:
We are seeking Risk professionals who want to be a part of the evolution for the next generation of risk management and capabilities. The incumbent will apply their expertise in the field of data analytics to identify credit risk and derive actionable insights. The successful candidate will work with a diverse set of internal and external data as well as structured and unstructured data. The scope of the role includes conducting independent risk assessments, providing effective challenge to first line teams, and ensuring that significant risks are promptly identified. Candidates are expected to have a deep appreciation for risk management techniques and an affinity for data and analytics.

The team would help the incumbent grow in following ways:
· Understand key principles of risk management and apply innovative concepts to measure and manage risk across AXP consistent with regulatory requirements.
· Have opportunity to work with various risk and business teams across American Express.
· Exposure to multiple products, strategies as well as business processes across American Express.
· Timely detection and evaluation of significant operational risk trends at aggregate as well as various micro segment level.
· Conduct independent risk assessments analytically as well as through case reviews, across various processes and the overall portfolio to identify potential emerging risks and performance issues.
· Define and develop comprehensive key risk indicators to support comprehensive monitoring across risk types.
· Analyze and draw insights from both structured and unstructured data using advanced tools and techniques.
· Utilize a diverse set of technologies and tools (e.g. SQL, Python, Hadoop, Hive, Spark, Tableau) to derive risk-related insights across many processes (e.g. Acquisition, Customer Servicing, Fraud, Information Security) and risk types.

Business Outcomes:
· Understand key credit risk metrics to interpret trends in the context of business.
· Generate hypothesis on credit risk drivers to flag risk trends early.
· Work on unstructured problems & apply innovative concepts to proactively identify & manage risks.

Minimum Qualifications:
Post Graduate in Management / Economics / Statistics / Engineering or similar field of study or equivalent work experience is required.
Past Experience
0-2 years of Management Consulting /Risk Management experience with data-driven analytics.

Functional Skills
· Risk Management experience with data-driven analytics
· Results-driven individual who likes challenging work.
· Ability to work in a highly collaborative environment.
· Attention to details with ability to see the forest for the trees.
· Effective communicator capable of explaining complex problems and ideas clearly and succinctly to senior leaders.
· Ability to deliver under tight timelines and manage multiple priorities
· Strong collaboration skills
· Technical Skills & Knowledge of Platforms
· Extensive experience with tools such as Python, Hadoop, SAS, SQL, Hive. (Preferred)

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

Competitive base salaries
Bonus incentives
Support for financial-well-being and retirement
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
Generous paid parental leave policies (depending on your location)
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
Free and confidential counseling support through our Healthy Minds program
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.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

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