Credit Risk Analyst

Experience: 3–5+ years of experience in credit risk analysis, credit control, or corporate underwriting.

Location: Gurgaon, India

Skills: credit risk analysis, credit control, corporate underwriting, commercial credit insurance, accounting principles, negotiation, ERP systems, NetSuite, MS Excel

About the Role

We are seeking a proactive and detail-oriented Credit Risk Analyst to take ownership of our credit risk, collections, and policy framework across all business entities. In this role, you will bridge the gap between risk prevention, policy optimization, and debt recovery. You will be the key driver in minimizing financial exposure while optimizing cash flow, managing everything from credit policy enhancements to third-party agency escalations and financial accounting for deposits.

Key Responsibilities

Policy Optimization: Review, design, and continuously improve internal credit risk policies across all company entities.

Insurer Management: Manage relationships with our Credit Insurance provider, submitting claims and providing all required documentation promptly.

Debt Escalation: Identify high-risk accounts and execute timely escalations to our Debt Collecting Agency when standard collection paths are exhausted.

Exception Management: Review, evaluate, and manage all form-of-payment exceptions, balancing business agility with financial security.

Financial Accounting: Handle the end-to-end administration, deposit guarantees, and accounting entries for client-related security deposits.

Management Reporting:



Prepare data-driven insights and lead regular meetings with executive management to report on collection progress, aging balances, and portfolio health.

What We Are Looking For

Experience: 3–5+ years of experience in credit risk analysis, credit control, or corporate underwriting.

Insurance Knowledge: Direct experience working with commercial credit insurance providers (e.g., Atradius, Atrium,...).

Agency Handling: Proven track record of managing collections legal processes and external debt collection agencies.

Accounting Skills: Strong foundational knowledge of accounting principles relating to guarantees, deposits, and accounts receivable ledger entries.

Communication: Exceptional negotiation and presentation skills, with the ability to confidently present risk metrics to senior leadership.

Tools: Proficiency in ERP systems (e.g. NetSuite) and advanced Excel functionality.

The #TeamGBT Experience

Work and life: Find your happy medium at Amex GBT. Versatile benefits are tailored to each country and start the day you do. These include health and welfare insurance plans, retirement programs, parental leave, adoption assistance, and wellbeing resources to support you and your immediate family.

Travel perks:



get a choice of deals each week from major travel providers on everything from flights to hotels to cruises and car rentals.

Develop the skills you want when the time is right for you, with access to over 20,000 courses on our learning platform, leadership courses, and new job openings available to internal candidates first.

We strive to champion Inclusion in every aspect of our business at Amex GBT. You can connect with colleagues through our global INclusion Groups, centered around common identities or initiatives, to discuss challenges, obstacles, achievements, and drive company awareness and action.

And much more!

All applicants will receive equal consideration for employment without regard to age, sex, gender (and characteristics related to sex and gender), pregnancy (and related medical conditions), race, color, citizenship, religion, disability, or any other class or characteristic protected by law.

Click Here for Additional Disclosures in Accordance with the LA County Fair Chance Ordinance. Furthermore, we are committed to providing reasonable accommodation to qualified individuals with disabilities. Please let your recruiter know if you need an accommodation at any point during the hiring process.

For details regarding how we protect your data, please consult the Amex GBT Recruitment Privacy Statement.

What if I don’t meet every requirement? If you’re passionate about our mission and believe you’d be a phenomenal addition to our team, don’t worry about “checking every box;" please apply anyway. You may be exactly the person we’re looking for!

📌 Credit Risk Analyst (India)
🏢 American Express Global Business Travel
📍 India