Company description
American Express is a renowned global financial services corporation celebrated for its long-standing history of innovation, trust, and exceptional customer backing.
Operating for over 175 years, the organization has consistently delivered premier financial products, fraud prevention, and seamless payment solutions worldwide.
At the heart of American Express is a culture centered on leadership behaviors, shared values, robust risk management, and a commitment to customer security.
Team Amex fosters an inclusive environment where individual contributions are valued and personal growth is actively supported.
Employees benefit from a holistic care framework that includes comprehensive health, financial, and mental wellness programs, such as the Healthy Minds initiative.
The company prioritizes professional development, offering clear career advancement pathways and continuous learning programs across various domains.
American Express champions flexibility, utilizing modern work arrangements including hybrid, onsite, and virtual options to support work-life balance.
As an equal opportunity employer, American Express ensures fair employment practices across all global markets.
The company relies heavily on data-driven innovation to fuel business expansion while preserving industry-leading risk management practices.
Joining Team Amex offers professionals a direct opportunity to impact millions of cardmembers worldwide within a collaborative and high-performing culture.
Profile overview
The Analyst - Data Science role sits within the Credit and Fraud Risk (CFR) Analytics & Data Science Center of Excellence.
This specialized unit serves as the analytical backbone for financial operations across American Express globally.
The primary objective of the position is to build, deploy, and validate advanced predictive models that enhance business profitability.
Professionals in this role use economic logic and statistical techniques to manage risk, prevent fraud, and optimize marketing strategies.
Every key decision across prospect targeting, customer underwriting, and account management is guided by the outputs of this team.
Analysts analyze massive datasets to unearth actionable business insights and formulate intelligent, data-driven solutions.
The role emphasizes leveraging the unique closed-loop network of American Express to drive hyper-relevant decisioning engines.
Analysts continuously innovate by designing next-generation big data architecture and implementing cutting-edge machine learning capabilities.
Clear communication is required as team members frequently present complex analytical findings to executive leadership and global cross-functional partners.
Candidates are expected to stay updated on market developments within finance, payment processing, and core data science methodologies.
The position provides an exceptional environment to tackle complex real-world challenges alongside top industry experts in analytics and machine learning.
Analysts play a crucial role in mitigating credit losses while preserving high standards of customer satisfaction and onboarding ease.
The position offers exposure to multi-functional international projects, facilitating dynamic skill acceleration and leadership development.
Successful candidates will demonstrate strong problem-solving capabilities, adaptability, and an ability to work with unstructured data.
The role balances technical implementation with strategic business consulting to ensure top-line business growth under controlled risk parameters.
Employees contribute directly to safeguarding the financial ecosystem of American Express while pushing the boundaries of predictive analytics.
The job structure rewards curious minds capable of translating high-dimensional math concepts into tangible business workflows.
Collaborating across global sites, analysts ensure regional alignment while customizing algorithmic models for local customer bases.
Ultimately, this role serves as a foundational step for dynamic professionals seeking long-term success in corporate data science and financial risk management.
Qualifications
Educational background requires a Master’s degree, MBA, or higher in quantitative fields such as Economics, Computer Science, Statistics, or related domains.
Professional experience needs to range from 0 to 30 months (0 to 2.5 years) in analytics, data science, or big data workstreams.
Hands-on proficiency with statistical programming languages including Python, R, and SAS is required.
Practical knowledge of big data platforms and query tools such as SQL, Hive, and Apache Spark is necessary.
Strong familiarity with supervised machine learning algorithms including Decision Trees, Neural Models, and Graphical Models is expected.
Strong familiarity with unsupervised learning techniques, transfer learning, active learning, and Gaussian processes is expected.
Experience in applying advanced concepts such as reinforcement learning, MapReduce architectures, and Bayesian models is highly valued.
Specialized expertise in feature extraction, attribute engineering, and optimization pipelines is critical for model performance.
Deep interest or specialized background in algorithm development, high-performance computing, and advanced code optimization is preferred.
Ability to understand complex business models and identify underlying data levers that drive business performance.
Demonstrated history of applying analytical techniques to complex, unstructured, or ambiguous data initiatives.
Strong team player capable of operating smoothly within local and global collaborative technical environments.
Exceptional oral and written communication skills to convey complex data concepts to non-technical business partners.
Strong capability to manage project timelines independently and deliver results aligned with business priorities.
Ability to quickly absorb new domain knowledge and adapt to fast-changing financial technologies and payment landscapes.
Experience integrating seamlessly with cross-functional, globally distributed business units across multiple regions.
High attention to detail with an analytical mindset oriented toward solving real-world corporate challenges.
Commitment to adhering to proper model governance, data security protocols, and financial regulations during development.
Ability to build clean, maintainable, and efficient codebase logic suitable for high-throughput operational engines.
Self-starter attitude paired with high intellectual curiosity for discovering underlying patterns within vast enterprise data systems.
Capability to manage multiple analytical streams concurrently while delivering actionable business recommendations.
Proven ability to transform complex statistical outputs into actionable, executive-ready presentations and strategy docs.
Additional info
The position offers flexible working structures through a hybrid model combining office presence with remote work flexibility.
Work locations for this position include state-of-the-art office hubs in Gurugram, HR, India, and Bengaluru, KA, India.
The role operates within a full-time, standard day-shift employment schedule within the Analytics & Risk Management career domain.
Compensation packages include competitive base salaries alongside performance-linked bonus incentives.
American Express provides robust financial protection, retirement support, and long-term financial planning resources to employees.
Comprehensive healthcare packages are available, covering medical, dental, vision, life insurance, and disability benefits based on location.
Employees enjoy access to global on-site wellness centers staffed by medical professionals and nurses at key campus locations.
Free and confidential mental health support is provided through the internal Healthy Minds global wellness program.
The company provides generous paid parental leave policies to support growing families across different life stages.
Continuous learning environments provide structured career development courses, leadership programs, and technical certifications.
Candidates will experience an inclusive work culture that actively celebrates diverse perspectives, backgrounds, and experiences.
American Express enforces equal employment opportunity rules without discrimination regarding age, gender, background, or physical ability.
Selection procedures depend on successful completion of background checks in compliance with local rules.
The team operates with a strong risk-first culture, ensuring high trust, compliance, and consumer protection in all operations.
The job requisition identifier for this specific requisition is 26012381.
The position falls under the broader Data Management and Analytics job category at American Express.
The posting was officially published on 10/08/2026, with applications being accepted up until the closing date of 19/08/2026.
Candidates are given tools to grow within an organization recognized as one of the best workplaces for data scientists.
Joining this group provides strong networking possibilities with international executives in analytics, technology, and corporate finance.
Employees participate directly in defining the future of digital payments, card security, and fraud management globally.
The role presents continuous avenues for cross-functional moves into different areas of risk management, product, and digital commerce.
Working at American Express delivers the backing, security, and prestige associated with a world-leading global brand.
Please click here to apply.
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