American Express

Financial Analyst

Posted On

April 24, 2025

Location

Gurgaon, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

May 25, 2025

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.

How will you make an impact in this role?

The Financial Analyst of Asset-backed Securitization (“ABS”) is a key position within Global Treasury Controllership. ABS provides one of the primary funding sources for American Express. American Express periodically securitizes Card Member receivables and loans arising from its card business through the transfer of those assets to securitization trusts. The trusts then issue securities to third-party investors, collateralized by the transferred assets.

The ABS Controllership team is responsible for the accounting, cash management, controls, and SEC & Trust Investor reporting requirements to help support this vital funding source for American Express. The team is committed to excellence, talent development, encouraging work/life balance, and timely recognition of team members. This position will perform accounting, reporting, and analysis for the ABS Trusts. The ABS Analyst will be responsible for the key deliverables for the trusts, including daily settlement activity and the monthly reporting.

Responsibilities include:

Perform cash settlement activities within the ABS system (ABS Suite+), including but not limited to daily cash settlement
Perform accounting activities, including daily accounting, ABS model updates, documentation of key processes, and balance checks
Prepare monthly trust servicer report within ABS Suite+, and responsible for the filing
Perform reporting activities, including regulatory submissions, intercompany balance reporting, financial submissions, SEC reporting, and monthly reconciliations
Ensure a strong internal control environment including SOX and other controls & compliance
Provide support for automation of ABS processes, and become SME for ABS Suite+ to support business initiatives / key projects
Provide monthly and ad-hoc data submission to the business and Finance leadership in a standardized and intuitive manner
Support automation of ABS processes, and the evolution of optimization and standardization for the asset-backed securitization process including working closely with treasury, legal, technology, Bank and other business partners

Minimum Qualifications:

High level of proficiency in Excel and PowerPoint
Undergraduate degree required in Accounting or related with 1-3 years of relevant work experience
Ability to articulate complex ideas with brevity, simplicity and impact
Flexibility to effectively function in a fast-paced environment, high energy team player
Excellent communication skills with an innate ability to interact at all levels of the organization
Confidence to ask questions, develop a point of view, and voice an opinion in meetings with senior executives
Motivated self-starter able to operate on multiple, confidential, diverse fronts simultaneously, with attention to detail
Natural strategic mindset or “business intuition” – ability to step back from the numbers and consider the analysis from multiple points of view, decision analysis and support skillset required

Preferred Qualifications:

Experience with ABS (Asset Backed Securities)
Strong understanding of card economics

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

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.

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