With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

Functional Description

Colleagues in Global Decision Science team at American Express will serve as a key member of the Credit and Fraud Risk organization. We seek a thought-leader and a problem-solver who can blend business, technical, and industry best practices when it comes to developing the analyses, models, and algorithms that power our credit/fraud risk control as well as customers’ digital experiences.

This team is responsible for developing, implementing, and tracking AI/ML models for driving enterprise credit and fraud risk control, digital personalization and AI/ML capability development in prospect marketing and automating data capability and model governance. 

Our Decision Science teams use industry leading modeling 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 extensive amounts of structured data, digital data (Web, App, API) and sophisticated tools in an industry leading Big Data environment. 

-Build everything from basic reports to advanced machine learning models and algos to drive improvements to our credit/fraud risk control and customer’s online and mobile app experiences.

-Work with product owners to revolutionize the product and content design with a data-driven approach

-Develop insights into customer behavior and introduce innovative approaches to transform complex behavioral data into actionable information

-Leverage the power of closed loop through Amex network to make decisions more intelligent and relevant

-Innovate with a focus on developing newer and better approaches using big data & machine learning solutions

Minimum Qualifications

-PhDs in a quantitative field (Computer Science, Statistics, Mathematics, Physics, Chemistry, Operation Research etc.) 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

-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

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