Job Description
Credit and Fraud Risk Organization (CFR) within American Express has the mission of minimizing credit and fraud losses while promoting business growth and delivering superior customer service. In India, the CFR CoE (Center of Excellence) team is involved in developing predictive models, business strategies, capabilities, and platforms for driving the above outcomes across all portfolios for American Express globally. Our Decision Science teams use industry leading modelling and AI practices to predict customer behavior. We develop, deploy, and validate predictive models and support the use of models in economic logic to enable profitable decisions across credit, fraud, marketing and servicing optimization engines.
Responsibilities
- Work with massive amounts of customer, bureau and 3rd party data using sophisticated tools in an industry leading Big Data environment.
- Build everything from basic reports to advanced machine learning models and algorithms to drive improvements to our customer's experiences.
- Evaluate new structured and unstructured data sources and modelling techniques/algorithms to enhance model predictions.
- Develop insights into customer behavior and introduce new approaches to transform complex behavioral data into actionable information.
- Innovate with a focus on developing newer and better approaches using big data & machine learning solutions.
Qualifications
- Masters/PhDs in a quantitative field (Computer Science, Statistics, Economics, Mathematics, Physics, Operation Research etc.) or MBA with hands-on experience leveraging sophisticated analytical and machine learning techniques.
- Expertise in an analytical language (Python, R or the equivalent), and experience with databases (Hive, SQL, or the equivalent).
- Deep understanding of machine learning/statistical algorithms such as deep learning and boosting. Experience with data visualization is a plus.
- Minimum 2 years of experience in Modeling
- Demonstrated ability to frame business problems into mathematical programming problems, leverage external thinking and tools (from academia and/or other industries) to engineer a solution and deliver business insights.
- Ability to work effectively in a team environment.
- Independent thinker who's organized, has great attention to detail, and can multi-task.
- Strong communication skills
- Ability to learn quickly and work independently with sophisticated, unstructured initiatives.
- Ability to integrate with cross-functional business partners worldwide.
- Proficient in presentation tools, including Excel and PowerPoint
About Us
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 our 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.
About The Team
We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones physical, financial, and mental health, as well as providing the flexibility you need 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
American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
