American Express

Analyst-Risk Management

Posted On

Aug. 18, 2025

Location

Gurugram, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

Sept. 21, 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.

Function Description

Enterprise Data Strategy Team within, Credit and Fraud Risk (CFR) organization is responsible for defining external data strategies across credit and fraud use cases. The team also owns foundational capabilities like Global Account Monitoring (GAM) and Global Outbound Bureau Reporting (OBR) that exchange customer data with bureaus and other data companies. These processes bolster risk decision-making and enhance customer experiences across lifecycles. EDS supports innovative use of traditional, alternative, and fraud data assets which optimize CFR’s data investments. The team oversees outbound and inbound data policies, processes and controls that govern GAM and OBR.

The incumbent will be part of the Global Outbound Bureau Product Governance team based out of
Gurgaon, India and will assume the role of an Analyst for driving Governance framework for Outbound Bureau Reporting within the Enterprise Data Strategy team

Purpose of the Role:

The incumbent will be responsible for executing the governance framework for Outbound Bureau Reporting (OBR). This will include creation and enhancement of control environment by implementing preventive and detective controls., drive AEMP79/70/47/08 & Project Guardian Compliance within Enterprise Data Strategy team, partner closely with CCOs, Product, Capabilities, Control Management Team and 2^nd/3^rd line to strengthen data governance for Outbound Bureau reporting process.

Responsibilities:

Understanding of Outbound Bureau Reporting, applicable AEMPs, Project Guardian and Control Management
Develop requirements to support the generation of risk capabilities & controls (e.g. Smart Monitoring, Qalibrate & CDIT/SPIKE)
Ensure Global Process Risk Self-Assessment (PRSA) for outbound bureau reporting is updated, asserted and certified timely, understands upcoming Risk & Control Self-Assessment (RCSA) mandates and impact
Leads engagement for global regulatory exams, audits, reviews, loss events and compliance issues which impact Outbound Bureau processes
Work closely with Stakeholders (CCOs, Compliance, Legal, Capabilities etc.) to implement controls action/ownership, operating manual ratification framework and drive clarity with RACI
Spearhead the planning, execution, and monitoring of projects, ensuring they are delivered within scope, and on time.
Find gaps/risk in process and prioritize preventive/detective controls implementation for risk mitigation.
Provide regular updates to senior leadership on project status, risks, and mitigation strategies.

Minimum Qualifications

Past Experience:
1. 0-3 years of experience in product management, strategy, control management, analytics/credit risk or related work experience
2. Strong data handling and ability to apply quantitative techniques and methods to drive business results.

Preferred Qualifications

Academic Background:
Bachelor’s / master’s degree in a quantitative field (e.g., Finance, Engineering, Mathematics, Statistics Computer Science or Economics) from a top tier institute
Functional Skills/Capabilities:
1. Strong quantitative, analytical, project management and structured problem-solving skills with proficiency in Python, SQL, HIVE & EXCEL.
2. Ability and willingness to work in a fast-paced environment and on aggressive timelines.
3. Effective team player and be able to manage multiple projects.
4. Excellent oral and written communication skills
5. Experience in analyzing data, drawing inferences, and making recommendations.
6. Regulatory/Compliance/control management knowledge would be plus
7. Strong relationship management and negotiation skills
8. Understanding of credit card business economics
Technical Skills/Capabilities
SQL, HIVE, Excel, and Python. Lumi knowledge would be a plus.
Behavioral Skills/Capabilities:
1. Demonstrated ability to succeed in high performing teams
2. Strong relationship management
3. Ability to grasp business problems/identify business opportunities and provide solutions to solve them.
4. Demonstrated ability to drive innovation
5. Experience in handling/influencing senior leaders/partners across geographies is preferred
Critical Factors to Success:
1. Drive solutions through advanced analytical techniques.
2. Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
3. Lead with an external perspective, challenge status quo and bring continuous innovation to our existing processes.
4. Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
5. Should possess strong analytical and problem-solving skills and a tremendous will to win
6. Strong relationship building, management and influencing skills
7. Exceptional verbal, written, and interpersonal communication skills

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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