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Our client, a leading financial services institution, is seeking a highly skilled Senior Information Security Analyst to bolster their cybersecurity efforts. This role is based in Vadodara, Gujarat, IN , and operates on a hybrid model, blending in-office expertise with remote flexibility. You will be instrumental in protecting the organization's sensitive data and critical infrastructure from evolving cyber threats.

As a Senior Information Security Analyst, your primary focus will be on identifying, assessing, and mitigating information security risks. You will conduct regular security assessments, vulnerability scans, and penetration tests to uncover potential weaknesses. Your responsibilities will include developing and implementing security policies and procedures, monitoring security systems for suspicious activity, and responding to security incidents. You will play a key role in developing and delivering security awareness training to employees. A strong understanding of various security frameworks (e.g., ISO 27001, NIST) and compliance regulations is essential.

The ideal candidate will possess extensive experience in information security, with a deep understanding of cybersecurity principles, threats, and best practices. Proven experience with security tools such as SIEM, IDS/IPS, firewalls, and endpoint protection solutions is required. Excellent analytical and problem-solving skills are crucial for incident response and forensic analysis. You should have strong communication and interpersonal skills, with the ability to explain complex security concepts to both technical and non-technical audiences. A Bachelor's or Master's degree in Computer Science, Information Security, or a related field is required. Relevant certifications such as CISSP, CISM, or CEH are highly valued. You will contribute to the continuous improvement of the organization's security posture and play a vital role in safeguarding digital assets.

Responsibilities:

• Conduct information security risk assessments and vulnerability analyses.
• Develop and implement security policies and procedures.
• Monitor security systems and respond to security incidents.
• Perform penetration testing and vulnerability scanning.
• Manage and configure security tools and technologies.
• Develop and deliver security awareness training programs.
• Ensure compliance with relevant security standards and regulations.
• Investigate security breaches and develop remediation plans.
• Contribute to the development of the cybersecurity strategy.
• Stay up-to-date with the latest security threats and trends.

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
POSITION TITLE : Assistant Vice President (AVP) - Risk Management
SPECIFIC AREA OF ASSIGNMENT : Risk Management (Financial + Non-Financial)
Role Objective:
- Assist 2nd Line Management in Improving / Monitoring Financial and Non-Financial Risk
Management including Credit Risk, Market risk, and Operational Risk Management, IS Risk,
Product Risk Management and Business Continuity. This also includes Senior Stakeholder
Management, Committee Reporting and External Audit Management.
- Execute projects/tasks which are assigned specifically by the Management.
Responsibilities:
1. Manage comprehensive risk management as the second line of defense for credit, market, and
operational risks. Conduct relevant tests and ensure robust management through RCSA,
control assurance, KRI management, incident management, business continuity, Stress
testing, ECL calculation and external audits
2. Assist Supervisors in framing crucial/critical decisions by providing necessary inputs, analysis
and opinion
3. Assist Management/ Supervisors in
i. Operational Risk activities - RCSA Management and Control Assurance
ii. Various committee meetings such as Risk Forum/s and Regional Reporting
iii. Oversee the development and implementation of the Entity's BCM risk management
function and support Global Head Office and / or Regional Head Office's BCM
initiatives embedding practices in alignment with GIFT regulator and Peers within
industry.
iv. Assist in Incident Management / Information security risk management - track
monitor and report incidents and ways to mitigate the same
v. Oversee the development and implementation of the Bank's IS risk management
function and support Global Head Office and / or Regional Head Office's IS initiative
Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute

**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.
**Job Description:**
Marketing Campaigns are critical drivers of American Express strategy to acquire, engage and retain customers. Marketing teams across international need best in class tools and processes to enable flawless and timely delivery of their campaigns to unlock the value for our customers and prospects. The Int'l Segmentation Targeting Eligibility Consulting & Execution Team within Enterprise Customer Engagement Solutions (ECES) is responsible for supporting campaign targeting, execution, delivery and fulfillment.
**How will you make an impact in this role?**
This B30 position will play a key role in driving accuracy, standardization, efficiency and risk reduction in the campaign targeting process for all international markets. The candidate will be primarily responsible for providing consulting support to marketing partners, leading the process transformation, operationalizing the change, and coordinating the operational control activities through strong collaboration and partnership with key stakeholders within and outside of EMPS.
**Key Responsibilities:**
**·** **Consultation:** Providing consulting to Marketing partners by proposing External viewpoint, new ideas & innovative approaches
* **Operationalize Change:** Enable Marketers to maximize benefits of system enhancements/changes and minimize the impacts through analysis, proactive planning, timely & relevant communication, and flawless execution.
* **Process Efficiency** : Identify process efficiencies leading to better marketer experience and improve speed to market and bring them to completion by driving the alignment and prioritization.
* **Operational Controls:** Improve the control environment by ensuring adherence to the self-audit requirements, coordinating the assessment activities and creating the awareness of the risks, processes etc., within the broader IMO team.
* **Maximize Relationships** : Strong collaboration and partnership with key stakeholders within and outside of ECES
* Engage with business partners to gather the requirements, assess the needs/impacts and create/maintain/enhance the documentation related to various projects
* Delivering all the projects within the established plan and defined timelines
**Requirements:**
* Excellent consulting skills.
* Excellent people management skills. Should be able to provide clear directions and support when required.
* Excellent project management, collaborating & negotiation skills.
* Ability to tailor communications so that they are appealing and understandable. Ability to convey technical and business information clearly and concisely to groups or individuals either verbally or in writing.
* Ability to multi task - maintains focus despite interruptions. Quickly re-evaluates priorities based on new information; quickly shifts attention between tasks or projects
* Problem solving (information seeking, analytically thinking and being proactive)
* Multi-national collaboration: Displays cultural sensitivity; builds cross -cultural relationships and works effectively in a global environment.
* Knowledge Office skills such as Excel, PowerPoint etc.
+ Demonstrates analytical and systematic approach to problem solving- Knowledge of advanced excel, Tableau, Python, SQL highly desirable
**Past Experience:**
* Consultation
* Project Management
**·** Stakeholder Management
**·** Change Management
**·** Process Improvement Projects
**Academic Background:**
* Degree in Engineering or related discipline, MBA or equivalent in a relevant/quantitative field with 3 years of experience.
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:**

**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.
The Credit Risk Oversight organization within Global Risk and Compliance (GRC) is responsible for independently overseeing and challenging the company's credit risk taking and credit risk management activities, including the comprehensive identification, management, and mitigation of credit risks within the company's risk appetite.
We are seeking a detail-oriented professional to be part of a newly formed team for credit risk governance. Responsibilities for this role include governance, reporting, working with stakeholders across the enterprise, regulatory support and building capabilities.
The incumbent will report to the Manager, Governance in Credit Risk Oversight.
**Key Responsibilities:**
* Governance
o Maintain Credit Risk Management Policy
o Maintain credit risk standards, procedures (in collaboration with functional team) and templates (e.g.: reports, MEMO etc.)
o Ensure adherence to credit risk board approved plan and findings resolution
o Conduct QC checks on 2LOD review reports
* Reporting
o Create the Quarterly Aggregate Credit Risk Assessment Report
o Report RAF results and escalations and Control and Compliance (C&C) metrics
o MIS reporting to partner teams (e.g., findings tracker, Smart Monitoring alert reports)
o Perform ad-hoc analytics and reporting on credit findings (e.g., finding themes etc.)
* Internal Audit, Regulatory and ERM Support
o Coordinate with functional team on IAG and regulatory requests
o Coordinate and prepare meeting materials for quarterly interagency meeting
o MRA and regulatory recommendation remediation
* Capabilities
o Support the Portfolio Analytics team to develop next generation MIS capability
o Collaborate with GRC capabilities team to support Archer and other foundational capabilities
o Develop automated tools to write and QC review reports using LLM models
**Experience and Background:**
+ Strong data & analytical skills
+ Able to demonstrate strong knowledge of risk and financial management
+ Good communication and interpersonal skills; able to clearly articulate or interpret technical documents, regulatory guidelines, and complex project requirements in a concise manner to various stakeholders
+ Outstanding multi-tasking and project management skills
+ Superb collaboration and teamwork aptitude, to work with colleagues and stakeholder across various AXP offices globally
+ Self-confident with a strong sense of integrity and the ability and willingness to challenge and be challenged;
+ Strong Microsoft Excel, PowerPoint skills;
+ Extremely high attention to detail
+ Self-starter and enthusiastic attitude
+ Advanced degree in quantitative or a related field
**Guardian**
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Tags** 2LOD_FRM - Financial Risk Management
**Req ID:**

**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.
**Function Description:**
**Global Servicing (GS)**
Global Servicing (GS) is responsible for the company's customer service, credit, and fraud operations serving consumers, commercial clients, and merchants around the world, as well as global consumer travel and lifestyle servicing. GS provides the world's best customer experience every day by building on Amex's 175-year legacy of service excellence, leveraging new technologies and capabilities to drive innovation, and bringing a human touch to each customer interaction.
**Global Strategy & Enablement**
The Global Strategy & Enablement (GS&E) team consists of talented operations and enablement colleagues from around the world who empower and enable the growth of American Express. This team brings the GS vision to life by collaborating, innovating, and developing valuable, scalable solutions, and balancing the needs of customers, colleagues, and shareholders. In addition, the team delivers the best-in-class learning experiences, performance insights, governance, and capacity planning across GS's global network. GS&E also oversees the GS Gen AI strategy as the team explores expanding use cases and serving as a critical partner with the Technology, EDDS, and Capabilities teams to bring Gen AI to life in ways that will best serve colleagues and customers.
**Sales and Business Enablement (SABE)**
SABE is an Enterprise Utility, tasked to ensure enablement to support business growth across sales and marketing organizations by providing accurate Performance Reporting & Analytics, Global Incentives Servicing, Data Platforms & Capabilities. The current role comes under Data Platforms & Capabilities which consists of a wide range of platforms and products which the team supports.
**Responsibilities:**
This opportunity is in American Express Data Platform and Capabilities team, responsible for developing new business opportunities, launching & supporting new products and services, and expanding product distribution to support enterprise value and drive revenue growth. The team is focused on meeting the business needs of our customers by creating information products and services that leverage the American Express closed-loop data. The Customer 360 team is responsible for providing solutions to create a 360 view of our customers across different businesses. C360 platform uses big data platform and algorithms to recommend accurate information using internal Amex and External data sources. It has lot of enterprise-wide use
cases catering to consumer, commercial and merchant business's needs.
**Responsibilities of the candidate would include:**
* Focus on supporting business use case specific issues using data analysis, identifying data trends, data monitoring and taking remediate actions
* Collaborate and manage key business stakeholders across the enterprise
* Document best practice guidelines to build knowledge within team and reduce the overall product issues
* Manage partner team expectations including scope, schedule, changes, and problem resolution
* Drive on-time, high quality project/process deliverables
* Appropriate action to highlight challenges and ensure resolution via correct channels.
* Independently handle customers/stakeholders for any queries/escalations
* Monitor and track user reported issues to ensure that timeliness & quality goals are met.
* Document best practice guidelines to build knowledge within team and reduce the overall product issues
**Required Skills**
* Strong analytical skills including the ability to think through all aspects of complex business requirements and generate possible courses of action
* Demonstrated ability to drive results and manage multiple relationships and projects, proven ability to adjust quickly to shifting priorities, multiple demands, ambiguity and rapid change
* Ability to prioritize and deliver work within a deadline-driven climate.
* Strong communication skills oriented toward working with customers to document their product needs.
* Drive on-time, high quality project/process deliverables
* Team player with demonstrated ability in collaborating across customer and Technology organizations.
* Experience in creation & execution of User Acceptance test cases, specifically in a Big Data environment
* Hive/SQL Data handling skills & ability to detect patterns/problems based on analyzing data
* Data Ingestion and Product development knowhow in big data and elastic environment
* Basics of matching and scoring algorithms, Postman usage to run API collections, pull data and analyze it to determine product performance is a big plus.
**Leadership Outcomes:**
* Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
* Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings
* Demonstrate learning agility, make decisions quickly and with the highest level of integrity
* Lead with a digital mindset and deliver the world's best customer experiences every day
**Past Experience**
4 Years' experience as a Business Systems Analyst /Business Analyst with a Product Mindset
**Preferred:** Credit Card Industry Experience
**Functional Skills**
* Strong Business Acumen & problem-solving skills
* Demonstrated experience in SDLC
* Expertise in Project Management
* Expertise in Agile Scrum methodology
**Technical Skills**
* Proficiency in Hive, SQL, Big Query, Google Cloud Platform
* Advanced Excel
* Workable experience in Tableau/Power BI for visualization
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:**

**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.
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.
**Function Description:**
+ Marketing Campaigns are critical drivers of American Express strategy to acquire, engage and retain customers. Marketing teams across international need best in class tools and processes to enable flawless and timely delivery of their campaigns to unlock the value for our customers and prospects. The International List solution team is responsible for supporting campaign targeting, execution, delivery and fulfillment processes.
**About The Team**
+ The team supports various International marketing teams in enabling their bespoke/non-automated campaigns leveraging Big data tools (Hive/Python/PySpark) and platforms like E-Intelligence & GCP (Google Cloud ). Team will also be responsible for Process efficiency, Platform Migration & Process transformation.
+ **Responsibilities:**
o Operations management: Demonstrated ability to deliver high quality day to day operational requirements, while driving process transformation
o Understanding the use case requirements and coding the data pull logic using Big data technologies & perform robust QC to ensure logic design and build meet the defined business requirements. o Delivering all the projects within the defined timelines and with complete accuracy.
o May undertake regular code reviews to ensure alignment with development, implementation, and performance standards.
o Drive End-to-End product capabilities & Transform MVPs to production grade capabilities.
o Collaborate with numerous teams like Marketing, Privacy, Tech, DevOps, Ops Risk, Risk to drive results.
+ **Requirements**
o 2 years of total work experience is required, with experience working with product/automation/development teams in a fast-paced, complex, and dynamic environment.
o Experience in Project Management & Stakeholder Management will be a plus.
o Strong customer focus and results oriented attitude.
o Degree in Computer Science, Mathematics, Engineering or related discipline
o Hands on Skills: SQL, Hive, Python, GCP( Google Cloud platform), Github
o Experience of working in Agile Methodology & Migration Framework is a plus.
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Schedule** Full-time
**Req ID:**

**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 deine the future of American Express.
Overview of the Business:
Credit and Fraud Risk (CFR) team helps drive profitable business growth by reducing the risk of fraud and maintaining industry lowest credit loss rates. It uses an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending, and provide a world-class customer experience. The team leads efforts that leverage data and digital advancements to improve risk management as well as enable commerce and drive innovation.
A single decision can have many outcomes. And when that decision affects millions of customers, it needs to be the right one. That's where our Credit & Fraud Risk (CFR) Analytics & Data Science CoE team comes in. The team leads efforts that leverage data and digital advancements to improve risk management as well as enable commerce and drive innovation, every day. Right from targeting the right customer for our products to underwriting them to managing their experience with Amex when they get onboarded, every decision is advised by groundbreaking analytics & data science. We help the company grow its business profitably while delivering the world's best customer experience, all powered by data. We are the backbone of all financial services operations at American Express and impact every aspect of the company.
As a part of the team, you'll have the opportunity to work in one of the best companies for data scientists in the country. You will solve real world business problems while getting exposure to the industry's top leaders in analytics, data science and machine learning. If you're passionate about solving complex problems and crafting solutions that impact millions, you should consider a career in CFR.
**Description on the role:**
Development, review and/or execution of economic logic & analytical solutions to drive profitable credit business actions.
**Responsibilities:**
* Understand the core business of AXP and the levers behind various decisions
* Analyze large amounts of data to derive business insights and create innovative solutions
* Leverage the power of closed loop through Amex network to make decisions more intelligent and relevant
* Innovate with a focus on developing newer and better approaches using big data & machine learning solution
* Clear articulation and structuring of business findings across prospect and customer domain to the leadership and key partners
* Maintain external lens and be aware of developments in the field of Finance/Payments/Analytics etc.
**Minimum Qualifications**
* MBA, Master's Degree In Economics, Statistics, Computer Science Or related fields
* **0-18 months of experience i** n analytics (Analyst Req only )
* Ability to drive project deliverables to achieve business results
* Ability to work effectively in a team environment
* Strong communication and interpersonal skills
* Innovative problem solver with ability to learn quickly and work independently with complex, unstructured initiatives
* Ability to Integrate with Cross-Functional Business Partners Worldwide
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Other Locations:** India-Karnataka-Bengaluru Urban
**Schedule** Full-time
**Req ID:**

**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 deine the future of American Express.
Overview of the Business:
Credit and Fraud Risk (CFR) team helps drive profitable business growth by reducing the risk of fraud and maintaining industry lowest credit loss rates. It uses an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending, and provide a world-class customer experience. The team leads efforts that leverage data and digital advancements to improve risk management as well as enable commerce and drive innovation.
A single decision can have many outcomes. And when that decision affects millions of customers, it needs to be the right one. That's where our Credit & Fraud Risk (CFR) Analytics & Data Science CoE team comes in. The team leads efforts that leverage data and digital advancements to improve risk management as well as enable commerce and drive innovation, every day. Right from targeting the right customer for our products to underwriting them to managing their experience with Amex when they get onboarded, every decision is advised by groundbreaking analytics & data science. We help the company grow its business profitably while delivering the world's best customer experience, all powered by data. We are the backbone of all financial services operations at American Express and impact every aspect of the company.
As a part of the team, you'll have the opportunity to work in one of the best companies for data scientists in the country. You will solve real world business problems while getting exposure to the industry's top leaders in analytics, data science and machine learning. If you're passionate about solving complex problems and crafting solutions that impact millions, you should consider a career in CFR.
**Description on the role:**
Development, review and/or execution of economic logic & analytical solutions to drive profitable credit business actions.
**Responsibilities:**
* Understand the core business of AXP and the levers behind various decisions
* Analyze large amounts of data to derive business insights and create innovative solutions
* Leverage the power of closed loop through Amex network to make decisions more intelligent and relevant
* Innovate with a focus on developing newer and better approaches using big data & machine learning solution
* Clear articulation and structuring of business findings across prospect and customer domain to the leadership and key partners
* Maintain external lens and be aware of developments in the field of Finance/Payments/Analytics etc.
**Minimum Qualifications**
* MBA, Master's Degree In Economics, Statistics, Computer Science Or related fields
* **0-18 months of experience i** n analytics (Analyst Req only )
* Ability to drive project deliverables to achieve business results
* Ability to work effectively in a team environment
* Strong communication and interpersonal skills
* Innovative problem solver with ability to learn quickly and work independently with complex, unstructured initiatives
* Ability to Integrate with Cross-Functional Business Partners Worldwide
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurugram
**Other Locations:** India-Karnataka-Bengaluru Urban
**Schedule** Full-time
**Req ID:**

**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.
The Enterprise Data Strategy team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team manages strategic global relationships and data strategy for key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.
The incumbent would be part of the Enterprise Data Strategy team based in Gurgaon and reporting into Sr. Manager - International Commercial Data Strategy. The incumbent will be responsible for conducting detailed analysis on third-party vendor data to drive bureau/alternate data strategy, manage strategic Commercial data relationships and will partner closely with modeling, strategy, and risk product teams to drive innovative solutions and solve challenges.
Analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial.
1. Drive Commercial data strategy across the customer lifecycle through structured and risk-based principles.
2. Explore traditional and alternative Commercial credit data/services.
3. Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions.
4. Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including new third-party data vendor onboarding and existing products.
5. Ensuring compliance with all regulatory requirements through robust risk policies
6. Periodically review cases to identify modeling/strategy opportunities and improve customer experience.
7. Evaluate new external data sources like Open banking, financials, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models/strategies.
8. Closely partner with external data vendors, internal capabilities, and internal Commercial risk teams to ingest new data sources for models/strategies.
9. Drive profitability through advanced analytical techniques.
10. Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers, partners, colleagues & shareholders.
11. Lead with an external perspective, challenge the status quo and bring continuous innovation to our existing offerings.
12. Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
13. Should possess strong analytical and problem-solving skills and a tremendous will to win.
14. Strong relationship building, management and influencing skills.
15. Exceptional verbal, written, and interpersonal communication skills.
**How will you make an impact in this role?**
Responsible for conducting detailed analysis on third-party vendor data to drive the data strategy in New Accounts, Customer Management and Marketing models and strategy for International Commercial business.
**Minimum Qualifications**
+ 0 -3 years of experience in analytics/credit risk or related work experience
+ Strong data handling and ability to apply statistical / quantitative techniques and methods to drive business results.
+ Bachelor's / master's degree in a quantitative field (e.g., Finance, Engineering, Mathematics, Statistics, Computer Science or Economics) from a top tier institute
+ Strong quantitative, analytical, project management and structured problem-solving skills with proficiency in Python, SQL, HIVE & EXCEL
+ Ability and willingness to work in a fast-paced environment and on aggressive timelines.
+ Effective team player and be able to manage multiple projects.
+ Excellent oral and written communication skills
+ Experience in analyzing data, drawing inferences, and making recommendations.
+ Strong relationship management and negotiation skills
+ Understanding of credit card business economics
+ Demonstrated ability to succeed in high performing teams.
+ Ability to grasp business problems/identify business opportunities and provide modeling solutions to solve them.
+ Demonstrated ability to drive innovation.
+ Experience in handling/influencing senior leaders/partners across geographies is preferred.
**Qualifications**
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.
**Job:** Risk
**Primary Location:** India-Haryana-Gurgaon
**Schedule** Full-time
**Req ID:**