American Express is hiring for a FRESHER entry level Analyst-Data Science role in India

Position: Analyst - Data Science

• The Analyst - Data Science position is situated within the Model Risk Management Group (MRMG) operating under the Global Risk and Compliance organization.

• The role emphasizes independent risk management, governance, and assessment of Generative AI, large language models (LLMs), and advanced machine learning (ML) models across American Express.

• This is an analytical and compliance-oriented role designed to evaluate how AI systems are used in credit, marketing, fraud, customer engagement, operations, and risk decisioning.

• The position requires an individual with strong analytical curiosity, technical problem-solving capabilities, and the ability to translate technical concepts into risk-focused insights.

• The analyst will work to strengthen enterprise model risk controls, elevate model excellence, and support adherence to regulatory and governance expectations for AI/ML systems.

Company: American Express

• American Express Company is a globally integrated payments, financial services, and travel company.

• The company's heritage spans 175 years of innovation, providing customers with access to products, insights, and experiences that enrich lives and build business success.

• American Express is known for its strong risk mindset, ensuring trust, security, and exceptional service across its operations.

• The company supports colleagues by providing comprehensive benefits, holistic well-being support, and opportunities to learn and lead in a diverse global environment.

• The firm is committed to doing business the right way, ensuring high levels of integrity, inclusion, and belonging for all colleagues across global teams.

Location: Gurugram, Haryana, India

• The position is based in Gurugram, Haryana, India, located specifically in the AMEX Sub Tehsil Kadipur area.

• Gurugram serves as one of the significant global technology and risk management hubs for American Express.

• The location provides excellent infrastructure and connectivity, making it a critical center for operations, risk management, and analytics in the APAC region.

Job type: Full-time

• The role is a full-time permanent position within the Global Risk and Compliance organization.

• It requires a dedicated commitment to working standard business hours, with adaptability needed when collaborating with cross-regional teams.

Job mode: Hybrid

• The position operates on a hybrid model, combining both onsite and virtual arrangements depending on business needs.

• The hybrid format offers the flexibility of remote work along with the benefits of in-person collaboration with managers and cross-functional teams in Gurugram.

Job requisition id: 26007496

• The unique identifier for this role on the American Express careers portal is 26007496.

• This identifier must be referenced during the application process and communication with talent acquisition specialists.

Years of experience: 0-2 years

• The experience requirement is between zero and two years, making it highly suitable for recent graduates and entry-level professionals.

• Candidates with exposure to AI/ML model development, testing, or validation through projects or internships are preferred.

• Professionals seeking to transition into the model risk domain with basic analytical foundations are encouraged to apply.

Company description

• American Express is a global payments and financial services company that helps customers and businesses thrive.

• Founded over a century and a half ago, the firm has consistently evolved its service offerings, from protecting travelers during global conflicts to creating innovative Shop Small movements to revitalize local economies.

• The organization relies on the determination, resilience, and integrity of its colleagues to uphold a reputation built on trust, security, and exceptional customer service.

• Operating globally, Amex provides a broad range of products, including credit and charge cards, travel services, and merchant financing, along with enterprise data and risk management solutions.

• The organization places a strong emphasis on continuous improvement, ensuring that data-driven insights are leveraged effectively while maintaining robust compliance and ethical standards.

• At the heart of American Express is an unwavering commitment to both the customers and the colleagues who serve them.

• The company culture promotes inclusion, shared values, and powerful backing, empowering everyone to progress and succeed both professionally and personally.

• Employees at American Express are given the resources to develop their careers, work with cutting-edge technologies, and contribute to decisions that shape the future of global commerce.

• Through initiatives promoting holistic health, financial wellness, and flexible working environments, the company ensures that employees are supported through every stage of their professional journey.

Profile overview

• The role is positioned within the Model Risk Management Group (MRMG), a critical component of the Global Risk and Compliance organization at American Express.

• The primary objective of this profile is to ensure the independent oversight and risk evaluation of advanced artificial intelligence models, machine learning algorithms, and Generative AI applications.

• Analysts are responsible for verifying that these models are robust, accurate, and aligned with enterprise-level risk thresholds and regulatory guidelines.

• This involves continuous review and evaluation of AI and ML systems deployed across various business units, such as credit risk, fraud prevention, marketing, and customer care.

• The position requires an individual who can critically assess model architecture, training datasets, and performance metrics, while identifying potential biases or compliance gaps.

• The candidate will formulate clear, well-structured documentation and present risk summaries to various stakeholders, model committees, and senior leadership teams.

• Collaborating with data scientists, machine learning engineers, and risk managers will be a daily requirement to ensure that models remain defensible and scalable.

• The analyst must possess an intellectual curiosity regarding the ethical use of AI, algorithmic transparency, and the governance frameworks required to regulate complex machine learning architectures.

• Through continuous learning, the candidate will stay up-to-date with emerging developments in AI safety and validation techniques, effectively contributing to enterprise-wide data governance.

Qualifications

• Candidates must hold an MBA or a Master's Degree in Statistics, Economics, Data Science, AI/ML, Generative AI, or a closely related quantitative discipline from a top-tier educational institute.

• The applicant must possess up to two years of professional experience in analytics, data science, or related quantitative workstreams.

• Hands-on familiarity and practical exposure to at least one prominent programming language such as Python, PySpark, R, or SQL is required for the position.

• The candidate should have a foundational understanding of AI/ML concepts, including regression, clustering, classification, and other predictive modeling methodologies.

• Strong analytical and problem-solving skills, accompanied by an aptitude for structured thinking, are essential for evaluating complex modeling scenarios and datasets.

• Clear, candid, and concise written and verbal communication is critical to explaining highly technical analytical concepts to diverse business stakeholders.

• The ideal applicant must exhibit an interest in emerging AI/ML technologies, especially Generative AI architectures, prompt design, and natural language processing.

• The candidate must be capable of working in a fast-paced, hybrid corporate environment, adapting quickly to changing priorities and tight project deadlines.

• A strong risk mindset and a willingness to challenge assumptions responsibly are fundamental requirements for passing the comprehensive background verification check.

Additional info

• American Express is an equal opportunity employer that makes all employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin.

• The company values diversity, equity, and inclusion, offering an environment where every voice is heard, respected, and utilized to foster continuous innovation.

• Employees receive comprehensive health, dental, and vision insurance benefits, as well as access to global on-site wellness centers staffed with medical professionals.

• A hybrid working model is available depending on the business unit, providing a balanced lifestyle between remote and in-person professional activities.

• The company offers robust support for financial well-being and retirement planning, ensuring a secure future for employees and their loved ones.

• The Healthy Minds program provides free and confidential counseling and mental health support, ensuring holistic care and well-being for all team members.

• Career growth is highly prioritized, with continuous learning programs, technical training, and leadership development sessions available to all team members across the globe.

• Offer of employment is conditioned upon the successful completion of a background verification check, in accordance with applicable laws and regulations.

Responsibilities and Core Objectives

GenAI Model Risk Assessment & Oversight

• Support the independent oversight and effective challenge of Generative AI, LLM-based systems, and advanced machine learning models deployed across various enterprise applications.

• Participate actively in risk-based model reviews, focusing on model objectives, design, and architecture to ensure alignment with enterprise risk management goals.

• Evaluate training data sources, prompt engineering methodologies, and underlying assumptions used in the construction of LLMs and machine learning algorithms.

• Analyze model performance metrics, monitoring approaches, and existing control mechanisms across credit, marketing, and fraud detection platforms.

• Execute model risk testing, documentation reviews, and evidence assessment processes in accordance with the strict standards set by the Model Risk Management Group.

• Identify and mitigate risks related to algorithmic bias, explainability, robustness, security vulnerabilities, and misuse of artificial intelligence models.

Frameworks, Research & Continuous Learning

• Contribute to gap assessments to evaluate current modeling practices against internal compliance policies and external regulatory expectations for AI/ML models.

• Conduct continuous research on AI/ML and GenAI technologies to assist the Model Risk Management Group in updating validation guidance and standards.

• Stay updated on emerging trends in Generative AI, AI risk management, and global regulatory developments, applying insights to daily validation tasks.

• Help improve the overall efficiency and quality of the model validation processes through strong analytical execution and meticulous documentation.

• Develop consistent, scalable, and defensible GenAI risk management practices to be integrated across all enterprise operational frameworks.

Stakeholder Collaboration & Communication

• Prepare clear, structured analysis, validation notes, and risk summaries for internal stakeholders and model committees.

• Communicate analytical findings effectively to business partners, stakeholders, and senior leaders with guidance from managers.

• Collaborate cross-functionally with data science, engineering, product, and risk partners to support validation execution and smooth operations.

• Uphold American Express values, demonstrate integrity in analysis, and foster an environment of shared accountability and collaboration.

Technical Competencies and Educational Background

Technical Skills

• Possess a foundational understanding of AI/ML concepts, with a strong interest in Generative AI technologies, Large Language Models, and deep learning frameworks.

• Hands-on experience working with at least one programming language, including Python, PySpark, R, or SQL, to manipulate and analyze data.

• Ability to work with big data, perform analytical checks, and support model evaluation activities including validation, testing, and debugging.

• Strong problem-solving skills and structured thinking capabilities to deconstruct complex AI/ML model structures and evaluate their accuracy.

Educational & Professional Background

• Master's Degree or MBA in Statistics, Economics, Data Science, AI/ML, or related quantitative disciplines from a top-tier academic institute.

• Up to 2 years of professional experience in analytics, data science, model development, validation, or big-data workstreams within a corporate setting.

• Exposure to AI/ML model development, testing, or validation through professional experience, relevant projects, or industry internships.

• High learning agility, curiosity, and willingness to challenge technical assumptions responsibly.

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.

Please click here to apply.