Job Title: Risk Management Analyst

Job Type: Full-Time
Location: Gurugram, Haryana

Join Team Amex – You Lead the Way, We’ve Got Your Back

At American Express, we believe in empowering people and businesses to achieve their full potential. When you join Team Amex, you become part of a global and diverse community committed to delivering the world’s best customer experience with integrity and excellence.

Here, you'll have opportunities to learn, grow, and shape your career while enjoying benefits, programs, and flexibility that support both your personal and professional well-being.

About the Role

The Risk Management team at American Express is responsible for developing credit, operational, enterprise, and fraud policies that drive profitable growth while ensuring a strong control environment.

As a Risk Management Analyst, you will be part of the Smart Monitoring Center of Excellence (COE), which leverages technology, automation, and data science to detect, predict, and prevent risks. You will work on designing, developing, and managing Key Risk Indicators (KRIs) to support business units, product lines, and processes across American Express.

We are expanding our Smart Monitoring COE in 2025 and looking for talented individuals to join us in building the future of risk monitoring.

Roles & Responsibilities

???? Risk Monitoring & Management:

Develop and manage Key Risk Indicators (KRIs), setting thresholds for review and action across various risk types.
Design and build comprehensive control testing using a mutually exclusive and collectively exhaustive (MECE) approach.
Support data validation and contribute to the development of coding logic for KRI implementation.

???? Stakeholder & Process Management:

Partner with product and process owners to fully understand business-critical processes and identify potential risks.
Collaborate with platform and capability teams to assess data transfer risks affecting process fulfillment and customer service.
Act as a trusted advisor for key stakeholders, providing insights into KRI testing environments for their products and processes.

???? Innovation & Compliance:

Apply innovative concepts to measure and manage risks in compliance with regulatory and governance requirements.
Work closely with the First Line of Defense (FLoD) to execute a prioritized roadmap for testing automation.
Identify and escalate high residual-risk areas and emerging risk themes to senior leadership.

???? Cross-Functional Collaboration:

Partner with Technology, Risk, Product Management, Compliance, and Subject Matter Experts to ensure risk monitoring standards are met.
Exemplify the American Express Leadership Model: Set the agenda, bring others with you, do it the right way, and think enterprise-first.

Required Qualifications

✅ 2+ years of experience in data-driven analytics, preferably in the financial services industry and risk management.
✅ Bachelor’s or Master’s degree in Business, Statistics, Mathematics, Computer Science, or Engineering.
✅ Proficiency in Big Data, SQL, Hive, Python, and Google BigQuery.
✅ Strong analytical skills with high attention to detail.
✅ Ability to translate complex processes into clear, actionable insights.
✅ Experience in problem-solving in unstructured environments.
✅ Excellent communication and stakeholder management skills.
✅ Self-motivated and capable of handling multiple workstreams simultaneously.
✅ Familiarity with AXP data environments and Smart Monitoring is a plus.

Why Join American Express?

✨ Competitive Compensation: Attractive base salaries and bonus incentives.
???? Comprehensive Benefits: Health, dental, vision, life insurance, and disability coverage.
???? Flexible Work Model: Hybrid, onsite, or virtual arrangements depending on role and business needs.
????‍????‍???? Parental Leave: Generous paid parental leave policies.
????️‍♂️ Wellness & Mental Health Support: Free access to global on-site wellness centers and confidential counseling through our Healthy Minds program.
???? Career Growth & Development: Learning programs, leadership courses, and priority access to internal job opportunities.
✈ Exclusive Travel Perks: Weekly discounts on flights, hotels, cruises, and car rentals.
???? Diversity, Equity & Inclusion: Engage with global Inclusion Groups to promote awareness and action.

Equal Opportunity Employer

American Express is committed to diversity and inclusion. We make employment decisions without regard to race, color, religion, gender identity, sexual orientation, disability, veteran status, age, or any other legally protected status.

We also provide reasonable accommodations for individuals with disabilities during the hiring process. If you need assistance, please let us know.

Apply Today!

If you're passionate about risk management, data analytics, and innovation, don’t worry about checking every box—we encourage you to apply. You might be the perfect candidate we’re looking for! ????