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American Express logo — American Express Credit Analyst at American Express
American Express

Credit Analyst

Job · Full-timeIn OfficeThane, Maharashtra1–4 years59K/mo2 openingsImmediate / as per notice period
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About this role

Build your credit analytics career at American Express as a Credit Analyst in Thane. This is a full-time position with genuine ownership from the first month — your own datasets, your own dashboards, and stakeholders who rely on them. About the role This Credit Analyst role is hands-on and…

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Skills you'll use

Advanced ExcelSQLCredit Risk FundamentalsFinancial Statement AnalysisBureau Data AnalysisPortfolio MonitoringPower BIStatisticsUnderwriting PolicyReport WritingAttention to DetailCommunication

What you'll do

  • Analyse applicant financials and bureau data for credit decisions
  • Monitor portfolio delinquency, roll rates and vintage performance
  • Prepare credit MIS and early-warning reports
  • Support policy changes with data-backed recommendations
  • Maintain documentation for audit and regulatory review
  • Validate and reconcile numbers before publishing, and document data caveats
  • Automate recurring reporting to free up time for real analysis
  • Present findings clearly to non-technical stakeholders

Who can apply

  • B.Com/M.Com/BBA/MBA (Finance)/CA Inter/B.E./B.Tech or an equivalent degree from a recognised university
  • 1–4 years of experience in analytics, reporting or MIS — relevant hands-on experience required
  • Working knowledge of Advanced Excel, SQL, Credit Risk Fundamentals
  • Comfort with Excel, SQL and credit bureau data and with cleaning messy, real-world data
  • Ability to define a metric precisely and explain a result to a non-technical stakeholder
  • Attention to detail, ownership and the discipline to document your work
  • Based in Thane, Maharashtra or willing to relocate

Perks & benefits

Clear appraisal cycle and internal mobilityEmployee wellness programmesTeam offsites and networking opportunitiesCompetitive salary as per market benchmarksAnnual performance bonus / variable payHealth insurance for you and your dependantsProvident Fund and statutory benefitsStructured onboarding and mentorshipStructured onboarding and a formal mentor at a large, established employer

Interview & selection process

3 rounds — typical selection flow for this role:

  1. 1Resume screening and profile shortlisting by the talent acquisition team
  2. 2Technical interview 2 — BI tooling, dashboard design and metric definition
  3. 3HR discussion — compensation, notice period, joining date and offer roll-out

About American Express

American Express is a globally integrated payments company providing charge and credit cards and services. Its India centres in Gurugram and Bengaluru support technology, analytics and servicing worldwide. Industry and what the company does American Express works in financial services, serving its…
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