American Express - Analyst - Risk Management - Credit Risk

Description - External

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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

The Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for identifying and managing risk across all processes and geographies at American Express.

We are seeking experienced Risk and compliance professionals who want to be a part of the evolution for the next generation of risk management.

Incumbent will be part of Enterprise Risk Management team, American Express, India within the GRC organization and will roll into the Chief Risk Officer (CRO) team of AEBC India. The incumbent will support in oversighting AEBC India's Enterprise Risks, including Credit Risk and Operational Risk. The incumbent will work with a team of risk professionals in India and will be responsible for identifying, measuring, monitoring, and reporting on enterprise risks.

How will you make an impact in this role ?

- Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.

- Support development of risk tolerance limits and establish risk appetite metrics and escalation thresholds for all major risk types focusing in particular on Credit and operational risk.

- Conduct data driven reviews of key processes across credit and operational risk of the Bank such as credit bureau reporting, reactive line increase, proactive line increase, new accounts etc.

- Support in providing effective oversight of the risk universe of the Bank and support development of policies, practices, and other control mechanisms to manage key enterprise risks.

- Support the creation of dashboards and other reporting tools for all major risk types for India and other international markets and provide regular updates to relevant committees of the Bank.

- Assist in reviewing, providing effective oversight and conducting risk assessments for credit risk Pillar including but not limited to financial reporting, operations and Fraud risks etc.

Minimum Qualifications

- Advanced degree in economics, business, engineering, banking or a related field.

- 1+ years of experience in Credit risk/Risk management areas.

- Strong analytical skills and business acumen with a risk-reward control perspective.

- Strong understanding of local market regulatory requirements and banking industry.

- Demonstrated ability to successfully manage multiple priorities.

- Strong knowledge of SAS/SQL/Hive/Python/R would be preferred.

Additional Skills

- Excellent stakeholder management skills with the ability to build productive relationships across leadership levels and teams.

- Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged.

- Proactive in identifying issues, delivering and escalating key fin dings, and advising on recommended solutions to correct issues or mitigate risks.

- Ability to communicate oversight findings to colleagues, business partners, and senior leaders.

- Strong verbal and written communication skills.

Compliance Language

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

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.