Senior Analyst-Risk Management
American Express · Posted Oct 26
Banking, credit card, payment network, and travel services
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About the role
Commercial Rating and Underwriting (CRU) sits within American Express's Credit and Fraud Risk division and forms the institutional credit risk management function, assessing and managing the risk of institutional exposures across business units and regions globally. The team determines internal credit ratings that drive probability of default, calculates loss given default while underwriting card programs, and complies with Basel standards as implemented by the Federal Reserve. The analyst, based in India, will rate and underwrite credit exposures predominantly for English-speaking markets, performing fundamental business, financial, industry and country risk analysis with internal and external rating model outputs.
What you will do
- Analyst will be based out of India, and responsible for rating and underwriting credit exposures predominantly for English speaking market,. Fundamental analysis incorporates a thorough review of business, financial, industry and country risk coupled with support from internal and external rating model outputs. Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures.
- Analysts will have opportunity to interact with various teams across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role.
Skills used in this role
What the employer is looking for
- Experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions
- Thorough understanding of fundamental financial analysis including the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations
- Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting
- Familiarity with quantitative credit models (such as Moody’s RiskCalc, CreditEdge, etc) and knowledge of how to interpret the outputs, and when deviation from the model has appropriate defense
- Comfort with public agency ratings and supporting analysis
- Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle
- Experience preparing company-specific and industry-wide credit memorandums
- Familiarity with global markets (foreign language ability a plus)
- 3-4 years experience rating and / or underwriting at a leading financial institution or rating agency
- Bachelor’s degree from a top tier university with high GPA and a degree (or substantial coursework) in finance, accounting, economics, or statistics
- Chartered Financial Analyst program candidacy a plus
Benefits and support
- 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
About American Express
American Express Company is a globally recognized multinational financial services corporation specializing in payment cards, travel-related services, and network banking. Founded in 1850, the company provides charge and credit cards, expense management products, and merchant services to consumers, small businesses, and large corporations worldwide. It operates a proprietary payments network known for its premium customer engagement and lifestyle rewards programs.
- Industry
- Banking
- Company size
- 76800 employees
- Founded
- 1850-03-18
- Location
- New York City, New York, USA
- Funding stage
- Public Company
Leadership
Chairman and Chief Executive Officer
Chief Financial Officer
Chief Information Officer and Executive Vice President
Chief Colleague Experience Officer
Chief Marketing Officer
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