Analyst-Risk Management Job in Bangalore at American Express India Pvt Ltd

American Express is hiring for the role of Analyst-Risk Management!

Responsibilities of the Candidate:

• Analyst will be based out of India, and responsible for rating and underwriting credit exposures predominantly for the english speaking markets.
• Fundamental analysis incorporates a thorough review of business, financial, industry and country risks coupled with support from internal and external rating model outputs.  
• Assessment includes understanding of the need for credit extension, profitability of the relationship and program structures.
• Analysts will have opportunity to interact with various teams across the firm including front office sales, business unit risk partners, and credit administration to perform their critical role.
• Analyst will also be part of CRU Analytical and Operational Excellence team which is responsible for developing analytical frameworks, quality controls and colleague learning & development processes.

Requirements:

• 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 the ability to review corporate financial statements to determine the ability of the obligor to honor its credit obligations
• Comfort with GAAP/IFRS accounting standards, corporate valuation, and forecasting
• Familiarity with quantitative credit models (such as Moody’s  RiskCalc, CreditEdge, etc) and knowledge of how to interpret the outputs, and when deviation from the model has appropriate defense
• Comfort with public agency ratings and supporting analysis
• Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle
• Experience preparing company-specific and industry-wide credit memorandums
• 0-2 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
• Proficiency with MS excel, VBA will be a plus