Data Science Analyst

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. As part of Team Amex, you'll experience this 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.

Functional Description

Decision Science colleagues 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 standard methodologies when it comes to developing the analyses, models, and algorithms that power our customers’ digital experiences. This critical team is responsible for handling enterprise risks throughout the customer lifecycle, across our consumer and commercial businesses, and across all our global products. We develop industry-first data capabilities, build profitable decision-making frameworks, create machine learning-powered predictive models, and improve customer servicing strategies.

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:

• Build everything from basic reports to advanced machine learning models and algos to drive improvements to our customer’s online and mobile app experiences.
• Work with product owners to redefine the product and content design with a data-driven approach
• Collaborate with tech partners to test, implement and deploy modeling solutions to production system
• Develop insights into customer behavior and introduce new approaches to transform complex behavioral data into useful information
• Maximize the power of closed loop through Amex network to make decisions more intelligent and relevant
• Work with extensive amounts of digital data (Web, App, API) , External data and sophisticated tools in an industry leading Big Data environment.
• Innovate with a focus on developing newer and better approaches using big data & machine learning solutions

Qualifications:

• Masters in a quantitative field (Computer Science, Statistics, Mathematics, Physics, Operation Research and etc.) or Masters in Business Administration with hands-on experience using 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). Knowledge of SAS is a plus but not required.
• Deep understanding of machine learning/statistical algorithms such as deep learning and boosting. Experience with data visualization is a plus
• Proven 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 multitask
• Strong communication skills
• Preferably 1-2 year of experience in AI/ML or Data Analytics
• 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

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

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