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 is beginning to develop expertise in the field. Receives general instruction on moderately complex problems and issues.


Responsibilities


• Incumbent will be part of the India Risk Team and would be responsible to manage and support towards the effective and comprehensive functioning of bank's committees related to Credit Risk.
• Partnering closely with key bank stakeholders to develop and maintain Credit Risk Management Policies
• Competent to understand RBI regulations and will be responsible to ensure adherence for Credit risk function of the bank.
• Leading cross-business Regulatory initiatives and relationships with credit bureaus.
• Incumbent would be responsible for ensuring timely submission of data for onward regulatory reporting.
• Incumbent will be responsible to provide necessary support for managing the internal and external audits (Including RBI & NYSDFS) relating to Credit risk management function.
• Ensuring understanding, alignment, and compliance of American Express Management Policies.


Minimum Qualification


• Degree in Finance & Accounting, Economics, MBA, or similar background preferable.
• Strong analytical, relationship and project management skills
• Strong communication and interpersonal skills and ability to work effectively in a team
• Ability to work in a dynamic, fast changing environment, and a multitasker.
• Good experience of working upon analytical tools like Hive, SQL, MS Excel, etc.

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.