American Express

Financial Analyst

Posted On

Feb. 23, 2026

Location

Gurgaon, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

March 15, 2026

Job Description

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 this 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.

How will you make an impact in this role?

Colleague will be responsible for accurate and timely accounting of credit reserves, credit metrics reporting for senior management packs and externally disclosed notes and regulatory filings for American Express and its subsidiaries along with related analysis. Colleague will partner & collaborate with Risk Finance, Risk Decision science, Corporate Planning & Analysis, Market Controllers to define & implement reserving methodologies and perform analytics on big data to generate insights on measure of credit metrics and drivers of performance. In addition, support change management related to continuous improvement along with overall controls & governance, internal / external audits and platform modernization & automation initiatives.

· Accounting of credit reserves for AXP (monthly and quarterly CECL processes)

· Preparation of credit metrics for external disclosures

· Preparation of Regulatory reporting schedules

· Quarterly package for credit metrics for US Bank / International markets and perform deep-dive analysis

· Partner with Risk Finance with respect to implementation of new methodologies (e.g. non-regression models) and quarterly refresh of non-regression models

· Support internal/external audits, PwC walkthroughs, inputs for SOX controls' testing and adhoc requests from business partners

· Support/Change Management w.r.t Enterprise-wide platform modernization initiatives and projects impacting Credit reserves and allied aspects

Minimum Qualifications

· Must be CA or CPA or MBA from premier institute; prior working experience with Big 4 preferable

· 4-5 years of accounting & reporting experience (US GAAP / SEC / Regulatory Reporting)

· Awareness / exposure to relevant USGAAP (CECL/ASC 326) would be preferable

· Experience with big data & related tools / models with ability to extract and analyze data (SQL, Python)

· Knowledge of CECL / CCAR modeling & analytics would be an added advantage

· Understanding of Amex upstream data architecture & systems will be a plus (for Internal requisition only)

· Working knowledge of financial & reporting tools such as Oracle, Essbase, Tableau, TM1, Big data platforms etc.

· Excellent written and verbal communications skills, strong collaboration, and relationship skills

· Results driven, self-starter, able to lead and influence without direct authority.

· Ability to be flexible, prioritize multiple demands, and demonstrate innovation and learning agility.

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.

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