
Director - Credit Risk Analytics
4 days ago
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.
How will you make an impact in this role?
American Express' Third Line of Defense (3LOD), has established a new Credit Risk Review function which is responsible for providing independent oversight and assurance to key Consumer & Commercial credit risk portfolios. The team aims to strengthen our risk management framework and ensure that we continue to uphold the highest standards of credit risk management across the enterprise.
This Credit Risk Review function would be supported by a strong Data Analytics team to enable data-driven and technology-led assurance. We are looking for a dynamic & tenured leader to lead & oversee this Data Analytics team within Credit Risk Review on the 3LOD. This individual will play a key role in enabling deeper, more forward looking reviews through scalable analytics, thematic insights & strong stakeholder management.
Key Responsibilities
- Lead a team of ~10 colleagues (including managers and analysts) to deliver analytics solutions that enable and enhance credit risk reviews across portfolios
- Drive portfolio level analytics to assess credit quality, risk concentrations, underwriting trends & alignment with risk frameworks
- Enable thematic reviews and early risk identification by applying analytical techniques to structured & unstructured data
- Design & oversee development of dashboards, visualizations, and automated tools to support review execution & reporting including executive level
- Collaborate closely with credit reviewers, and cross functional stakeholders to frame analytic approaches, interpret results & co-develop narratives
- Ensure analytics are well documented, repeatable and governed in line with internal standards and governance protocols
- Encourage & support experimentation and innovation in applying AI/ML, including Natural language Processing and Gen AI to automate delivery & uncover deeper insights
- Contribute to building a team culture of learning, experimentation, & analytical excellence
- Champion career growth, skill development and engagement for team members through targeted coaching & training initiatives
Qualifications
- 8+ years' experience in experience in credit risk, data analytics, internal audit, or related fields; commercial and/or retail credit exposure preferred
- Proven track record in leading & inspiriting diverse, multi-level teams (including managers) to deliver high impact results
- Experience in portfolio analytics, including segmentation, risk concentration analysis, and forward looking risk indicators
- Ability to shape and execute multi–year analytics roadmaps, aligned to organizational risk strategy
- Proven influence at senior stakeholder levels to secure alignment, resources, and cross functional collaboration
- Strong technical skills in Data analytics, coding & automation (e.g., SQL, Hive, Big Query, Python)
- Working knowledge of Machine learning techniques including Natural Language Processing and Gen AI applications
- Hands on experience with Data Visualization tools and Dashboarding (Tableau, Power BI) with a focus on compelling, audience-oriented storytelling
- Effective storytelling and ability to translate complex data outputs into clear, actionable insights tailored to credit risk reviewers and non-technical audiences
- Experience applying analytics to risk assessment, issue identification, or internal reviews in a regulated environment
- Familiarity with working in a control-oriented environment with clear documentation and governance expectations
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.
-
Director - Credit Risk Analytics
4 days ago
Gurgaon, Haryana, India American Express Full time ₹ 1,00,00,000 - ₹ 3,00,00,000 per yearAt 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...
-
Credit Risk Analytics- Lending
6 days ago
Gurgaon, Haryana, India Citi Full time ₹ 20,00,000 - ₹ 25,00,000 per yearThe Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties...
-
Credit Risk Analytics- Consumer ECM
1 week ago
Gurgaon, Haryana, India Citi Full time ₹ 15,00,000 - ₹ 25,00,000 per yearThe Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to client and counterparties...
-
Credit Rating Analyst
6 days ago
Gurgaon, Haryana, India Acer Credit Rating Full time ₹ 15,00,000 - ₹ 25,00,000 per yearRole & responsibilities:Credit Analysis & RatingsIndependently work on credit rating assignments across corporates, infrastructure, financial services.Perform in-depth cash flow assessment, and risk analysis on companies / entities.Prepare and present rating rationales, committee notes, and press releases.Monitor assigned portfolio of rated entities and...
-
Credit Risk Analyst
2 days ago
Gurgaon, Haryana, India EXL Full time ₹ 15,00,000 - ₹ 25,00,000 per yearCredit Risk Strategy:We are looking for someone with hands-on experience in risk analytics with technical skills of SQL & tableau. He/she should have worked on designing and analyzing risk management framework across customer lifecycle – acquisition, portfolio management.The role is expected to use analytical tools to identify opportunities to grow overall...
-
Manager – Credit Risk
23 hours ago
Gurgaon, Haryana, India fusion micro finance Full time ₹ 9,00,000 - ₹ 12,00,000 per yearExperience: 4-8State: HaryanaCity: Gurgaon/GurugramJob Role: Credit RiskJob ProfileCredit Risk Portfolio Management: Conduct in-depth analysis of credit portfolio to assess the quality based on various data dimensions.Data Analysis and Reporting: Provide actionable insights through data analysis and reporting to inform business strategy and...
-
Murex Credit Risk Lead Consultant
2 days ago
Gurgaon, Haryana, India Luxoft Full time ₹ 20,00,000 - ₹ 25,00,000 per yearProject description This role is for a Lead Consultant with a leading European bank, focusing on credit risk and regulatory implementation using Murex (MLC). The consultant will drive the configuration and delivery of credit risk components across multiple teams and project phases. Responsibilities- Function as a Risk Consultant specialized in Murex MLC for...
-
Gurgaon, Haryana, India Rosmerta Technologies Limited Full timeImmediate joiners are highly preferred.We're looking for a highly skilled and experienced Manager-Financial Risk & Credit Evaluation to join our team. The ideal candidate will have a strong background in financial risk assessment, credit analysis, and a proven track record of managing credit portfolios. This role is crucial for our continued growth and...
-
Murex Credit Risk Consultant
2 days ago
Gurgaon, Haryana, India Luxoft Full time ₹ 12,00,000 - ₹ 36,00,000 per yearProject description This role is for a Credit Risk Consultant working with a leading bank to implement credit risk functionalities using Murex MLC. The consultant will support technical and functional delivery across modules while working closely with internal teams and vendors. ResponsibilitiesWork as a Credit Risk Consultant on Murex MLC. Configure Risk...
-
Credit Card Strategy
2 days ago
Gurgaon, Haryana, India EXL Full time ₹ 15,00,000 - ₹ 20,00,000 per yearCredit Cards Product or Marketing analytics (Not folks who have worked on Risk / Risk strategy) with experience in building strategies (Not reporting folks).Credit Cards Product analytics: Have worked towards building strategies to enhance the product offering / adding new features to the product to increase customer engagement & product profitability.Credit...