Analyst-Control Management

American Express; Gurugram District; On-site; INR 900,000 - 1,500,000; Full time

Benefits offered by this job

Competitive base salary

Bonus incentives

Flexible work model

Wellbeing programs

Job summary

American Express in Gurgaon is seeking an Analyst for Risk ID, Assessment, Testing & Reporting within Credit & Fraud Risk. You will collaborate with multiple partners across business units to embed control management in day-to-day operations.

The role requires 1-2 years in CFR risk management, strong analytical skills, and experience in governance and reporting. You will contribute to risk monitoring and thematic reporting while supporting risk management practices across the business.

Qualifications

• 1-2 Years experience in Credit & Fraud risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities
• Project management, communication, and interpersonal skills
• Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards
• Sound analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively

Responsibilities

• Facilitate BUs in identification, testing and reporting of risks (e.g. Conduct Business Self-Testing leveraging analytical rigor for early detection of operational issues)
• Monitor & review Credit and Fraud Risk complaints to identify and understand areas of potential emerging risk
• Assist in enhancing complaints review and monitoring process for credit and fraud risk which includes expanding the program to all strategies within credit and fraud risk
• Support thematic risk reporting of complaints (volumes, trends, root causes)
• Proactively help identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing
• Support risk management practices within the business

Skills

Credit & Fraud risk mgmt

Project management

Process governance

Analytical skills

Education

Bachelor’s Degree in Finance, Business, Risk Mgmt., or related field

Job description

Job Description

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

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.

Credit & Fraud Risk (CFR) manages the risk strategies across all markets and portfolios to minimize the company’s credit and fraud losses while promoting business growth and delivering superior customer service.

The objective of the Credit & Fraud Risk Control Management Risk ID: Assessment & Testing team is to identify, assess, mitigate, and report on Operational Risk within BU processes for Credit & Fraud Risk to ensure adherence to regulatory standards, Amex policy and enhance the BU’s resilience through managing a clear methodology of inherent and residual risk.

Credit & Fraud Risk is looking for an Analyst of Risk ID, Assessment, Testing & Reporting focused on ensuring control management is embedded in the day-to-day operations of our organization. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies.

How will you make an impact in this role?

• Facilitate BUs in identification, testing and reporting of risks (e.g. Conduct Business Self-Testing leveraging analytical rigor for early detection of operational issues)
• Monitor & review Credit and Fraud Risk complaints to identify and understand areas of potential emerging risk
• Assist in enhancing complaints review and monitoring process for credit and fraud risk which includes expanding the program to all strategies within credit and fraud risk
• Support thematic risk reporting of complaints(levels, trends, root causes)
• Proactively help identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing
• Support risk management practices within the business

Required Qualifications

• 1-2 Years experience in Credit & Fraud risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities
• Project management, communication, and interpersonal skills
• Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards
• Sound analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively

Preferred Qualifications

• Bachelor’s Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageou s
• Experience in at least one of the following:
  • Supporting identification of operational risks throughout business processes and systems
    • Supporting independent control monitoring, including identification of control improvements
    • Supporting the identification of areas of risk for intervention, including conducting independent quality assurance and process testing

Compiling thematic risk reporting to provide actionable insights on risk levels, emerging trends and root causes

Responsibilities

• Facilitate BUs in identification, testing and reporting of risks (e.g. Conduct Business Self-Testing leveraging analytical rigor for early detection of operational issues)
• Monitor & review Credit and Fraud Risk complaints to identify and understand areas of potential emerging risk
• Assist in enhancing complaints review and monitoring process for credit and fraud risk which includes expanding the program to all strategies within credit and fraud risk
• Support thematic risk reporting of complaints(volumes, trends, root causes)
• Proactively help identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing
• Support risk management practices within the business

Qualifications

Preferred Qualifications:

• Bachelor’s Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageou s
• Experience in at least one of the following:
  • Supporting identification of operational risks throughout business processes and systems
    • Supporting independent control monitoring, including identification of control improvements
    • Supporting the identification of areas of risk for intervention, including conducting independent quality assurance and process testing

About Us

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

About The Team

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.