About American Express
For over 175 years, American Express has been at the forefront of innovation, driven by shared values, strong leadership, and a deep commitment to customers, communities, and colleagues. As part of Team Amex, you’ll receive holistic support for your well-being, continuous learning opportunities, and a platform to grow into a future leader.
About the Business
The Credit and Fraud Risk (CFR) team at American Express is central to business growth, enabling profitability while maintaining some of the lowest credit loss rates in the industry. Leveraging advanced analytics, machine learning, and evolving digital tools, the team safeguards against fraud, enhances risk management, and ensures a world-class customer experience.
Every decision we make — from targeting the right customer to onboarding and risk management — is powered by cutting-edge analytics and data science. Joining the CFR team means solving complex problems, shaping critical decisions, and delivering meaningful impact to millions of customers globally.
Role Overview
As a Data Science Analyst in the CFR Analytics & Data Science CoE, you will:
- Develop, validate, and deploy predictive models that drive decisions across risk, fraud, and marketing.
- Work with large datasets to uncover insights, identify opportunities, and craft innovative solutions.
- Apply machine learning, big data, and statistical techniques to real-world business problems.
- Partner with global business leaders to inform strategies and improve decision-making.
- Continuously innovate to make decisions smarter, faster, and more impactful.
Key Responsibilities
- Understand business objectives and decision levers within American Express.
- Analyze complex datasets to deliver actionable insights.
- Build advanced models using Python, R, SAS, Hive, Spark, and SQL.
- Innovate with big data and machine learning techniques to improve fraud detection, credit risk management, and marketing strategies.
- Communicate insights clearly to leadership and stakeholders.
- Stay updated on industry developments in finance, payments, analytics, and AI/ML.
Qualifications
Minimum Requirements
- MBA or Master’s in Economics, Statistics, Computer Science, or related fields.
- 0–18 months of experience in analytics or big data projects.
- Strong problem-solving, communication, and teamwork skills.
- Technical expertise in Python, R, SAS, SQL, Hive, Spark.
- Exposure to machine learning methods: supervised/unsupervised learning, neural networks, reinforcement learning, Bayesian models, etc.
Preferred
- Strong coding and algorithm development skills.
- Knowledge of high-performance computing, transfer learning, and advanced AI models.
Benefits & Perks
American Express offers a holistic benefits package to support your personal and professional growth:
- Competitive salary + bonus incentives
- Retirement and financial well-being programs
- Comprehensive medical, dental, vision, life, and disability insurance (location-dependent)
- Hybrid, onsite, or virtual work arrangements
- Paid parental leave (varies by location)
- Free access to global wellness centers (where available)
- Confidential counseling support through Healthy Minds Program
- Career development, mentorship, and training opportunities
Why Join American Express?
This is your chance to be part of a global leader in data science for financial services, solving high-impact challenges that protect customers and drive profitable growth. At Amex, your passion for innovation, analytics, and problem-solving will directly influence millions of lives.
American Express is an equal opportunity employer. Employment offers are contingent on successful background verification, subject to local laws.
