Date Posted
04-Jul-2026
Location
Karnataka (KA), 1
Job Type
Full Time
Company
Group
Description
Job Opportunity: Analyst – Commercial Rating and Underwriting
Location: Bengaluru, Karnataka (Hybrid)
Job Type: Full-time
Benefits: Health Insurance (plus a comprehensive benefits package)
About American Express
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether supporting our customers’ financial confidence, taking commerce to new heights, or inspiring exploration, our colleagues are constantly redefining what’s possible. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues dedicated to delivering an exceptional customer experience every day. We back our colleagues with the support they need to thrive—both professionally and personally—through initiatives like Amex Flex, which provides the flexibility to work onsite, in a hybrid model, or fully virtually based on role and business needs.
Department Overview
The Commercial Rating and Underwriting (CRU) team is part of the Credit and Fraud Risk (CFR) division, which forms the institutional credit risk management function within American Express. CRU plays a critical role in assessing and managing the risk of institutional exposures across all business units and regions globally. Credit exposures arise primarily through corporate and small business card programs, merchant service relationships, and securities held for firm-wide liquidity. CRU is headquartered in Salt Lake City, with regional teams in New York, London, Singapore, Sydney, and India.
In addition to determining internal credit ratings and probabilities of default, CRU calculates the loss given default for these exposures while underwriting card programs, ensuring compliance with global banking standards (e.g., Basel) and regulatory requirements set by bodies like the Federal Reserve.
Role Overview
As an Analyst – Commercial Rating and Underwriting, you will be based out of India and be responsible for underwriting credit exposures predominantly for English-speaking markets. Your work will involve:
- Conducting fundamental analysis that includes a thorough review of business, financial, industry, and country risks.
- Leveraging internal and external rating model outputs.
- Assessing credit extension needs, profitability, and program structures.
- Interacting with various teams (front office sales, business unit risk partners, and credit administration) to execute your role effectively.
Job Responsibilities
-
Credit Underwriting & Analysis:
- Underwrite credit exposures for corporate and small business card programs.
- Perform fundamental analysis by reviewing corporate financial statements to assess creditworthiness.
- Evaluate business, financial, industry, and country risks in tandem with rating model outputs.
-
Model Interpretation & Risk Assessment:
- Utilize quantitative credit models (e.g., Moody’s RiskCalc, CreditEdge) and provide rationale when deviations from model outputs occur.
- Analyze public agency ratings and prepare supporting analyses.
- Monitor macroeconomic trends to adjust probability of default (PD) estimations in line with business cycles.
-
Reporting & Documentation:
- Prepare detailed company-specific and industry-wide credit memorandums.
- Document underwriting decisions and provide clear recommendations to support investment and risk management decisions.
Desired Skills & Qualifications
Experience & Background
- Experience:
- 0-2 years of experience in rating and/or underwriting at a leading financial institution or rating agency.
- Education:
- Bachelor’s degree from a top-tier university in finance, accounting, economics, or statistics.
- Coursework or candidacy in the Chartered Financial Analyst (CFA) program is a plus.
Technical Skills
- Strong understanding of fundamental financial analysis and the ability to review corporate financial statements.
- Proficiency in GAAP/IFRS accounting standards, corporate valuation, and forecasting.
- Familiarity with quantitative credit models and an ability to interpret their outputs.
- Proficiency with MS Excel is required; experience with VBA is a plus.
Additional Attributes
- Ability to handle complex analyses and synthesize insights.
- Strong written and verbal communication skills.
- Proven ability to prepare detailed credit memorandums.
- Knowledge of current macroeconomic trends and their impact on credit risk.
Employee Benefits
At American Express, we back our colleagues and their loved ones with a range of benefits designed to support their holistic well-being:
- Competitive base salaries & bonus incentives
- Support for financial well-being and retirement
- Comprehensive medical, dental, vision, life insurance, and disability benefits (dependent on location)
- Flexible working models: Hybrid, onsite, or virtual arrangements as per role and business need
- Generous paid parental leave policies (dependent on location)
- Free access to global on-site wellness centers staffed with nurses and doctors (dependent on location)
- Confidential counseling support through our Healthy Minds program
- Career development and training opportunities
Equal Opportunity Employer
American Express is an equal opportunity employer. We make 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.
Join #TeamAmex and help drive excellence in commercial credit risk management!
Analysis Summary
After reviewing your provided content and cross-referencing similar postings from American Express, I structured the job description into clearly defined sections. These include an introduction about American Express, an overview of the department and its role in credit risk management, a detailed role description with specific responsibilities, desired skills and qualifications, and a comprehensive benefits package. This format ensures clarity and aligns with the brand's emphasis on collaboration, innovation, and exceptional customer experience.
Let me know if you need further modifications!
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