American Express

Analyst-Lending Excellence and Controls

Posted On

June 6, 2025

Location

Gurugram, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

July 6, 2025

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. 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.

American Express International Card Services (ICS) is a leading issuer and provider of Consumer and Commercial products and services across many countries around the world. The ICS Lending Center of Excellence (COE) team vision is to ensure each customer has access to flexible payment options, relevant rewards, and the powerful backing of American Express.

As we continue growing our customer base, ICS Lending must ensure our customers and shareholders can realize maximum value. To support this agenda, we are seeking a colleague that can collaborate with multiple partners across numerous business units, functional areas, and geographies to:

Work with product, risk, and marketing teams to enable long-term profitable growth: You will partner and collaborate with colleagues across international markets to ensure our lending products deliver on their promise to our customers.
Drive Excellence across Product actions to grow our business: Design, lead, and operate effective controls across ICS Lending products. Delivering outstanding products for our customers and shareholders calls for operational excellence in everything we do.
Actionable insights: Provide regular insights highlighting testing outcomes, business risks, and recommendations to further strengthen our processes.
Communicate effectively and build relationships: Demonstrate a passion for building strong working relationships across regional and international partners (product, marketing, credit risk, insights, servicing, operational risk, technology, GCO, LOBCO) to deliver lending excellence.
Lead with a customer first approach, and one that is grounded with the external environment: You will have international experience, a customer-first approach, and do things the right way to help the international business excel.
Lead the development of new Smart Monitoring KRIs that will allow to strengthen the control environment over multiple ICS Markets.
Identify opportunities to strengthen the control environment on AR Platforms and Line related processes

Minimum Qualifications:

Solid understanding of the economics of lending products and key levers of profitability with strong analytical skills
Strong verbal, written communication and interpersonal skills
Proactive and driven individual with an eye for detail
Proficiency in SQL or Python
Bachelor’s degree in relevant field (Finance, Economics, Business Administration, Engineering, Mathematics, Physics, Actuarial Sciences), Master’s degree is a plus.
1+ years of work experience in a high-growth product or risk management team.
Ability to translate desired controls into systematic KRIs that can be automatically executed.
Experience on operational risk management and self-testing, including ORE and PRSA management. Nice to have knowledge about internal control frameworks.

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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