American Express

Analyst-Risk Management

Posted On

Sept. 1, 2025

Location

Gurugram, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

Sept. 28, 2025

Job Description

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

Functional Description
Positions in Risk Management lead the development of credit, operational, enterprise, and fraud policies designed to profitably grow the portfolio, while ensuring excellent customer experience. These policies utilize mathematical models and other techniques to understand and predict customer behavior. At the Analyst level, the employee does not have a people leadership role but is often viewed as an emerging expert in the field. Focuses on resolution of complex problems, conducts analyses, recommends changes to policies, and establishes procedures that affect immediate organization.

Smart Monitoring is a platform owned and managed by the Global Risk Compliance, and it leverages high technology, automation, and data science to detect, predict and prevent risks. The Smart Monitoring Center of Excellence is comprised of group of experts that leverage the Smart Monitoring platform to build and manage Key Risk Indicators
(KRIs) that monitor risks across AXP, supporting Business Units and Staff Groups, Product Lines and Processes. Smart Monitoring Center of Excellence team supports the businesses with a mission to enable business growth and objectives while maintaining a strong control environment.

Responsibilities

We are seeking an Analyst to join this exciting opportunity -

As a member of SM COE, the incumbent will be responsible for identifying opportunities to apply new and innovative ways to monitor risks through KRIs and execute appropriate strategies in partnership with Business, OE, Compliance, and other stakeholder teams.
Work on defining, developing and managing key risk indicators (KRIs) and setting thresholds for review or action for different risk types.
Work to design and build comprehensive and complete control testing using the Source of Origin and applying MECE (mutually exclusive and collectively exhaustive) approach.
Also support data validation and contribute to creation of coding logic to build key risk indicators (KRIs).
Partner closely with product/process owners to fully understand critical business processes, to identify risks and potential points of failure and also prioritize automation opportunities.
Be a trusted advisor for key business stakeholders for matters related to the KRI/Smart Monitoring testing environment across their products and processes.
Apply innovative concepts to measure and manage risk consistently with regulatory and governance requirements.
Collaborate closely with First Line of Defense (FLoD) to understand business priority and execute against the prioritization roadmap for testing automation strategy.
Identify and escalate to senior leadership observations, high residual-risk areas, and emerging risk themes.

Partner with Technology, Risk, Product Management, Compliance, and other key Subject Matter Experts on initiatives to ensure standards/deliverables are achieved. Exemplify strength in the American Express Leadership Model: set the agenda, bring others with you and do it the right way, and put enterprise thinking first.

Required Qualifications:

2+ years of work experience in data-driven analytics especially in the financial services industry and risk management.
Bachelor’s or master’s degree in business, Statistics, Mathematics, Computer Science, or Engineering disciplines.
Experience in technical skills such as Google Big Query , Big Data, SQL, Python
Exceptional analytical skills, highly detail oriented.
Ability to understand large complex processes and translate technical process jargon into simpler messages suited for all
levels of the organization.
Qualitative/quantitative solutioning/problem solving in complex and unstructured environment.
Team player with strong communication skills, and ability to develop relationships with colleagues.
Self-motivated with the ability to operate independently and handle multiple workstreams and ad-hoc tasks simultaneously.
Knowledge of AXP data environment and systems is a plus.
Experience with Smart Monitoring is a plus.

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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