Analyst-Risk Management

About International Card Services (ICS)

International Card Services (ICS) brings together International Consumer and Small & Medium Size Enterprises (SME) issuing activities, as well as Commercial Large Market sales and account development teams. ICS issues cards in 27 countries and is responsible for two Joint Ventures covering around a dozen countries. Leaders in these countries are empowered to make decisions at a local level, in partnership with other local business leaders. Local teams are supported by two cross-market teams: the Centre of Excellence and Risk & Control Management.

Team Overview: Commercial Rating and Underwriting (CRU)

Commercial Rating and Underwriting (CRU) sits within the Credit & Fraud Risk division and is a key component of the institutional credit risk management function within American Express. The CRU team assesses and manages the risk of institutional exposures across all business units within American Express and in all regions globally. Credit exposures are primarily generated through corporate card programs, via merchant service relationships where non-delivery risk exists, and among the securities portfolio held for firm-wide liquidity.

Role Overview

In addition to determining the internal credit rating that drives the probability of default for each exposure, CRU provides underwriting (approval and limit sizing) for wholesale card and lending products. As a bank holding company, American Express must comply with the highest global banking standards.

Culture & Commitment

At American Express, our culture is built on a 175-year history of innovation, shared values, and Leadership Behaviors, along with an unwavering commitment to back our customers, communities, and colleagues. We operate with a strong risk mindset to uphold our brand promise of trust, security, and service.

Benefits & Support

As part of Team Amex, you’ll experience 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. Your voice and ideas matter, and your work makes an impact.

We offer benefits that support your physical, financial, and mental health, as well as flexibility 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

Employment Condition

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.