Financial Analyst

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

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

Colleague will be responsible for accurate and timely accounting of credit reserves, credit metrics reporting for senior management packs and externally disclosed notes and regulatory filings for American Express and its subsidiaries along with related analysis. Colleague will partner & collaborate with Risk Finance, Risk Decision science, Corporate Planning & Analysis, Market Controllers to define & implement reserving methodologies and perform analytics on big data to generate insights on measure of credit metrics and drivers of performance. In addition, support change management related to continuous improvement along with overall controls & governance, internal / external audits and platform modernization & automation initiatives.

Accounting of credit reserves for AXP (monthly and quarterly CECL processes)

Preparation of credit metrics for external disclosures

Preparation of Regulatory reporting schedules

Quarterly package for credit metrics for US Bank / International markets and perform deep-dive analysis

Partner with Risk Finance with respect to implementation of new methodologies (e.g. non-regression models) and quarterly refresh of non-regression models

Support internal/external audits, PwC walkthroughs, inputs for SOX controls testing and adhoc requests from business partners

Support/Change Management w.r.t Enterprise-wide platform modernization initiatives and projects impacting Credit reserves and allied aspects

Minimum Qualifications

Must be CA or CPA or MBA from premier institute; prior working experience with Big 4 preferable

4-5 years of accounting & reporting experience(US GAAP / SEC / Regulatory Reporting)

Awareness / exposure to relevantUSGAAP (CECL/ASC 326)would be preferable

Experience with big data & related tools / models with ability to extract and analyze data (SQL, Python)

Knowledge of CECL / CCAR modeling & analytics would be an added advantage

Understanding of Amex upstream data architecture & systems will be a plus (for Internal requisition only)

Working knowledge of financial & reporting tools such as Oracle, Essbase, Tableau, TM1, Big data platforms etc.

Excellent written and verbal communications skills, strong collaboration, and relationship skills

Results driven, self-starter, able to lead and influence without direct authority.

Ability to be flexible, prioritize multiple demands, and demonstrate innovation and learning agility.

• 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