American Express is hiring MBA and postgraduate degree holders for the Analyst/Sr. Analyst – Risk Management fresher job 2026 in Gurugram and Bengaluru as part of its hybrid hiring for the Credit and Fraud Risk team. This entry-level Risk Analyst job is suitable for 2024, 2025 and 2026 batch freshers and recent postgraduates looking to build a career in credit and fraud risk analytics. Candidates with knowledge of data analysis, statistics, and basic SQL can check the eligibility criteria, salary details, job details, and application process below.
AmEx Job 2026 Overview
| Company: | American Express (Amex) |
| Role: | Analyst/Sr. Analyst – Risk Management |
| Job Type: | Hybrid, Full-time |
| Experience: | Freshers / 0-30 months |
| Qualification: | MBA, M.Sc, MCA/M.Tech, or a related postgraduate degree |
| Batch Year: | 2024, 2025 & 2026 |
| Location: | Gurugram & Bengaluru |
| Salary: | Not disclosed (₹8-12 LPA estimated) |
| Last Date: | 1 September 2026 |
| Apply Mode: | Official website |
Job Summary
This Analyst/Sr. Analyst role sits inside American Express’s Credit and Fraud Risk (CFR) team, the group that keeps AmEx’s default rates low while catching fraud early. Freshers with a postgraduate degree in Economics, Statistics, or Computer Science can apply. You’ll work out of Gurugram or Bengaluru, digging into large datasets to help the company decide who gets approved for cards, how much credit limit to give, and how to spot risky spending.
Why This AmEx Risk Management Job Stands Out
- Best suited for candidates who are comfortable with numbers, case-solving, and structured thinking rather than heavy coding – standard risk analyst profiles don’t need deep programming skills.
- Open to all eligible postgrads and not restricted to a single campus, so it works as a solid off-campus opportunity too.
- Being part of a well-established finance giant’s risk and analytics function adds real weight to a fresher’s resume.
Responsibilities
- Study large volumes of customer transaction data to spot patterns that signal fraud or credit risk.
- Help build and refine data-driven rules and models that decide who gets approved for AmEx products and at what credit limit.
- Turn your findings into clear insights and presentations for senior stakeholders and cross-functional teams.
- Work with AmEx’s global network data to make risk decisions sharper and more accurate.
- Keep track of what’s happening in finance, payments, and analytics so your recommendations stay relevant.
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Eligibility Criteria for American Express Analyst/Sr. Analyst Job
Required Skills
Technical Skills
- Data analysis – handling and interpreting large datasets
- Basic understanding of machine learning and big data concepts
- Strong quantitative and statistical reasoning
Preferred Skills
- Working knowledge of SQL – joins, GROUP BY vs PARTITION BY (comes up in interviews)
- Statistics basics – Mean, Median, Mode, Central Limit Theorem, Confusion Matrix
Education Qualification
MBA, M.Sc (Economics/Statistics), MCA/M.Tech (Computer Science), or a related postgraduate degree.
Batch Year: Freshers from the 2024, 2025 and 2026 passout batches are likely eligible to apply (not explicitly confirmed in the job post).
Job Location: Gurugram (Haryana) & Bengaluru (Karnataka), India
Credit Risk Analyst Job Salary for Freshers at American Express India
This role does not publicly disclose salary details. Based on market data, the estimated Analyst/Sr. Analyst – Risk Management salary at American Express (Amex) is ₹8-12 LPA. Final compensation may vary and is decided by the employer.
Perks & Benefits
Support for financial wellbeing, medical insurance cover (varies by location), flexible hybrid or onsite working, paid parental leave, access to onsite wellness centres, confidential counselling support, and ongoing career development programs.
Selection Process
The American Express (Amex) Analyst/Sr. Analyst Risk Management hiring process can vary depending on the role, location, and hiring team. However, interview process generally involves the following rounds:
- Resume Shortlisting
- Online Aptitude & Analytics Test: quant, data interpretation, and a data-science/case-study section
- Technical & Business Case Interview(s): guesstimates, statistics, and SQL basics
- HR & Leadership Evaluation Round
Related Resources
Interview Preparation Guide for Freshers
Get Job ready with FREE courses to Upskill (Explore Now)
Career Growth
AmEx hasn’t laid out a specific promotion ladder for this role in the job post. In general, the usual progression in risk and credit analytics is Analyst → Senior Analyst → Manager → Senior Manager, with more strategic and people-management responsibility added at each stage.
Practical Advice Before You Apply
- Since the test leans heavily on the apti round and case-study thinking, practice DI, P&C, and profit-loss questions from CAT-level material rather than just standard placement books.
- Brush up SQL basics (joins, GROUP BY vs PARTITION BY) and core stats concepts (CLT, confusion matrix) – these show up often in the technical round.
- Practice a few guesstimate questions out loud; interviewers usually care more about how you structure the problem than about hitting an exact number.
- Apply early instead of waiting for the last day.
How to Apply for American Express Risk and Credit Analyst Job in Gurgaon & Bangalore
To apply or for more information about this Credit and Risk Analyst job, visit the official American Express career page using the given link to submit your application.
Application Deadline: 1 September 2026
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| MCA | MBA |
| Finance | Computer Science, IT |
Source: Official American Express careers page (Job ID 26012798)
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American Express Risk Management Job 2026 – FAQs
(Q1) Who can apply for this Analyst/Sr. Analyst – Risk Management job role at American Express?
(A1) Freshers and candidates with up to 30 months of experience, holding an MBA or a postgraduate degree in Economics, Statistics, Computer Science, or a related field, can apply for this credit risk analyst job.
(Q2) What is the salary for the American Express Analyst/Sr. Analyst Risk Management Job?
(A2) The Analyst/Sr. Analyst salary for freshers at American Express India is not disclosed. Independent estimates suggest around ₹8-12 LPA, your final compensation can vary and will be decided by employer.
(Q3) Is this American Express job remote or location-based?
(A3) This Analyst/Sr. Credit Risk Analyst job at American Express is Hybrid, based out of Gurugram and Bengaluru.
(Q4) Is this American Express Analyst/Sr. Analyst job suitable for freshers?
(A4) Yes, the risk management job is open to freshers as well as candidates with up to 30 months of experience.
(Q5) What skills are required to clear the selection process for American Express job 2026?
(A5) Strong quantitative and case-solving ability, comfort with large datasets, basic statistics knowledge, and familiarity with SQL concepts like joins and GROUP BY vs PARTITION BY.
What exactly does American Express do?
American Express is a global financial services company best known for its charge and credit cards, running its own card payment network rather than relying on other banks. In India, it operates large analytics, risk, and technology hubs out of Gurugram and Bengaluru that support its global operations.
