Analyst-Risk Management

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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.

The Enterprise Data Strategy team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team manages strategic global relationships and data strategy for key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.

The incumbent would be part of the Enterprise Data Strategy team based in Gurgaon and reporting into Sr. Manager – International Commercial Data Strategy. The incumbent will be responsible for conducting detailed analysis on third-party vendor data to drive bureau/alternate data strategy, manage strategic Commercial data relationships and will partner closely with modeling, strategy, and risk product teams to drive innovative solutions and solve challenges.

Analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial.

1. Drive Commercial data strategy across the customer lifecycle through structured and risk-based principles.
2. Explore traditional and alternative Commercial credit data/services.
3. Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions.
4. Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including new third-party data vendor onboarding and existing products.
5. Ensuring compliance with all regulatory requirements through robust risk policies
6. Periodically review cases to identify modeling/strategy opportunities and improve customer experience.
7. Evaluate new external data sources like Open banking, financials, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models/strategies.
8. Closely partner with external data vendors, internal capabilities, and internal Commercial risk teams to ingest new data sources for models/strategies.
9. Drive profitability through advanced analytical techniques.
10. Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
11. Lead with an external perspective, challenge the status quo and bring continuous innovation to our existing offerings.
12. Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
13. Should possess strong analytical and problem-solving skills and a tremendous will to win.
14. Strong relationship building, management and influencing skills.
15. Exceptional verbal, written, and interpersonal communication skills.

How will you make an impact in this role?

Responsible for conducting detailed analysis on third-party vendor data to drive the data strategy in New Accounts, Customer Management and Marketing models and strategy for International Commercial business.

Minimum Qualifications

• 0 -3 years of experience in analytics/credit risk or related work experience
• Strong data handling and ability to apply statistical / quantitative techniques and methods to drive business results.
• Bachelor’s / master’s degree in a quantitative field (e.g., Finance, Engineering, Mathematics, Statistics, Computer Science or Economics) from a top tier institute
• Strong quantitative, analytical, project management and structured problem-solving skills with proficiency in Python, SQL, HIVE & EXCEL
• Ability and willingness to work in a fast-paced environment and on aggressive timelines.
• Effective team player and be able to manage multiple projects.
• Excellent oral and written communication skills
• Experience in analyzing data, drawing inferences, and making recommendations.
• Strong relationship management and negotiation skills
• Understanding of credit card business economics
• Demonstrated ability to succeed in high performing teams.
• Ability to grasp business problems/identify business opportunities and provide modeling solutions to solve them.
• Demonstrated ability to drive innovation.
• Experience in handling/influencing senior leaders/partners across geographies is preferred.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

• 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.