American Express Analyst Risk Management 2026 | Freshers | Bengaluru — Apply Now

About the Role

This role involves underwriting credit exposures for English-speaking markets, performing fundamental analysis to assess business, financial, industry, and country risks, and using internal and external rating model outputs to support credit assessments.

As an Analyst in Risk Management, you will work closely with front-office sales, business-unit risk partners, and credit administration teams to assess the need for credit extension, relationship profitability, and program structures.

Key Responsibilities

• Underwrite credit exposures for English-speaking markets, ensuring accurate and timely assessments.
• Perform fundamental analysis to assess business, financial, industry, and country risks, providing insights to support credit decisions.
• Use internal and external rating model outputs to support credit assessments, ensuring alignment with company policies and procedures.
• Assess the need for credit extension, relationship profitability, and program structures, providing recommendations to stakeholders.
• Interact with front-office sales, business-unit risk partners, and credit administration teams to ensure seamless communication and collaboration.
• Stay up-to-date with market trends, regulatory changes, and industry developments, applying this knowledge to inform credit assessments.

Skills & Qualifications

• Bachelor's degree in a relevant field, such as Finance, Economics, or Business Administration.
• Strong analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions.
• Excellent communication and interpersonal skills, with the ability to work effectively with cross-functional teams.
• Proficiency in Microsoft Office, particularly Excel, and ability to learn new tools and technologies quickly.
• Knowledge of credit risk management principles and practices, with a strong understanding of credit scoring models and rating systems.
• Ability to work in a fast-paced environment, prioritizing tasks and managing multiple projects simultaneously.

What You'll Learn

In this role, you will gain hands-on experience in credit risk management, developing a deep understanding of credit scoring models, rating systems, and industry trends.

You will have the opportunity to work with a talented team of professionals, learning from their expertise and contributing to the growth and success of the company.

This role will provide you with a solid foundation in risk management, preparing you for future opportunities in finance, banking, or related fields.

Resume Tip

When applying for this role, be sure to highlight your analytical and problem-solving skills, as well as your ability to work effectively in a team environment.

Use specific examples from your academic or professional experience to demonstrate your skills and knowledge, and be sure to tailor your resume to the requirements of the job description.

By showcasing your skills and experience, you will increase your chances of standing out as a strong candidate and advancing to the next round of the hiring process.