About the American Express Analyst Risk Management 2026 role

The American Express Analyst Risk Management 2026 role sits in Commercial Rating and Underwriting (CRU), part of the Credit and Fraud Risk (CFR) division, which forms the institutional credit-risk management function within American Express. CRU assesses and manages the risk of institutional exposures across all business units and regions globally, and is led from Salt Lake City with regional teams in New York, London, Singapore and India.

As an Analyst based in India, you will underwrite credit exposures predominantly for English-speaking markets, performing fundamental analysis across business, financial, industry and country risks – a strong start for finance graduates who want real credit-risk experience.

Key responsibilities

• Underwrite credit exposures predominantly for English-speaking markets.
• Perform fundamental analysis covering business, financial, industry and country risks.
• Use internal and external rating model outputs to support credit assessments.
• Assess the need for credit extension, relationship profitability and program structures.
• Interact with front-office sales, business-unit risk partners and credit administration teams.

American Express Analyst Risk Management 2026 – eligibility & requirements

To be eligible for the American Express Analyst Risk Management 2026 role, candidates should meet:

• 0–2 years of experience rating and / or underwriting at a leading financial institution or rating agency.
• A bachelor’s degree from a top-tier university with a high GPA and a degree (or substantial coursework) in finance, accounting, economics or statistics.
• Understanding of fundamental financial analysis and the ability to review corporate financial statements.
• Comfort with GAAP / IFRS accounting standards, corporate valuation and forecasting.
• Familiarity with quantitative credit models (Moody’s RiskCalc, CreditEdge) is a plus; CFA program candidates preferred.

Selection process

The American Express Analyst Risk Management 2026 selection process usually includes a resume shortlist, an online assessment on aptitude and finance fundamentals, and one or two interviews on financial-statement analysis, credit risk and your coursework or projects, followed by an HR round before the offer.

Documents required

• Updated resume (single-column, PDF) – build one free with our Resume Builder.
• Class X, XII and semester-wise marksheets (current CGPA).
• Government photo ID (Aadhaar / PAN / passport).
• Passport-size photograph as per portal specifications.
• College bonafide / no-objection certificate, if asked.

Preparation tips from selected candidates

• Revise financial-statement analysis, ratio analysis and the basics of credit risk and probability of default.
• Read up on GAAP / IFRS differences, corporate valuation and current macroeconomic trends.
• Attempt at least two full-length timed mock tests – time pressure fails more candidates than difficulty (use our free aptitude practice tests).
• Prepare a crisp 90-second self-introduction – see our 5-part formula with sample answers.

How to apply for the American Express Analyst Risk Management 2026 role

To apply for the American Express Analyst Risk Management 2026 role, use the green “Apply on official portal” button on this page or open the official American Express listing (Job 26011018). Create a profile, upload your resume and submit before the role closes. Explore more roles on our companies hiring freshers page.

About American Express

American Express is a globally integrated payments company backing customers with products, insights and experiences that enrich lives and build business success. Its India teams support global risk, analytics and technology functions, making an Amex analyst role a strong launchpad for finance graduates.