Senior Analyst – Risk Management

American Express

. Rate and underwrite credit exposures predominantly for English-speaking markets .

Posted 10/26/2026full-timeBengaluru • IndiaSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis and underwriting, with a strong foundation in financial analysis, corporate valuation, and risk assessment. Proficient in utilizing quantitative credit models and preparing detailed credit memorandums for diverse market exposures.

Highest-signal resume keywords

Credit AnalysisFinancial Statement ReviewQuantitative Credit ModelsGAAP/IFRS Accounting StandardsChartered Financial Analyst Program Candidacy

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit UnderwritingFundamental Financial AnalysisCorporate ValuationForecastingProbability-of-Default EstimationCredit Memorandum PreparationMacroeconomic Trend AnalysisRisk AssessmentCommercial Exposures AnalysisFinancial Institution Experience

Soft Skills

Interpersonal CommunicationCollaborationAnalytical ThinkingProblem SolvingRelationship Management

Tools & Technologies

Moody’s RiskCalcCreditEdgeCredit Administration Systems

Certifications & Qualifications

Chartered Financial Analyst Program Candidacy

Industry Keywords

Credit RiskFinancial InstitutionsGlobal MarketsPublic Agency RatingsEnglish-Speaking Markets

About the role

Key responsibilities & impact

Rate and underwrite credit exposures predominantly for English-speaking markets
Conduct fundamental analysis of business, financial, industry, and country risk
Use internal and external rating model outputs to support credit assessments
Assess credit-extension needs, relationship profitability, and program structures
Interact with front-office sales, business-unit risk partners, and credit administration
Review corporate financial statements and evaluate obligors’ ability to honor credit obligations
Provide recommendations to improve probability-of-default estimation based on the business cycle
Prepare company-specific and industry-wide credit memorandums

Requirements

What you’ll need

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
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 reviewing corporate financial statements to determine an obligor’s ability to honor credit obligations
Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting
Familiarity with quantitative credit models such as Moody’s RiskCalc and CreditEdge, including interpreting outputs and defending deviations
Comfort with public agency ratings and supporting analysis
Understanding of current macroeconomic trends and recommending improvements to 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

Benefits

Comp & perks

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