American Express is hiring fresher’s and experienced candidates for the role of Analyst-Risk Management. The complete details about role are as follows.
American Express Recruitment For Analyst-Risk Management
Company : American Express
Role : Analyst-Risk Management
Degree : Bachelor’s Degree/Finance/Accountant
Batches : 2026,2025,2024,2023,2022
Experience : 0 – 2 Year’s
Salary : 3 – 10 LPA (Expected)
Location: Chennai, India
Job Description:
In addition to determining the internal credit rating which drives the probability of default of each exposure, CRU also calculates the loss given default of these obligors while underwriting card programs. As a bank holding company, American Express must comply with the highest global banking standards set by Basel and implemented by the bank’s primarily regulatory, the Federal Reserve.
Qualifications & Skills :
- 0-2 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
- Proficiency with MS excel, VBA will be a plus
- 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
Roles and Responsibilities :
Analyst will be based out of India, and responsible underwriting credit exposures predominantly for the English speaking markets. Fundamental analysis incorporates a thorough review of business, financial, industry and country risks 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.
How To Apply For American Express Careers :
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