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

Position: Analyst Data Science

Company: American Express

Location: Gurugram and Bengaluru, India

Job type: Full time

Job mode: Hybrid

Job requisition id: 26014259

Years of experience: 0-30 months

Company description

• American Express stands as a globally recognized leader in financial services with a rich legacy spanning over 175 years of continuous innovation and customer-centric excellence.
• The organization operates at the forefront of payments, credit, and risk management, empowering millions of customers and businesses worldwide through trusted products and seamless experiences.
• Credit and Fraud Risk (CFR) forms a critical pillar within the company, dedicated to driving sustainable and profitable growth by minimizing fraud exposure and sustaining some of the industry’s lowest credit loss rates.
• Through advanced tools, evolving technology, and sophisticated analytics, the CFR team detects fraudulent activities early, protects legitimate spending patterns, and delivers world-class customer journeys without unnecessary friction.
• The Analytics and Data Science Centre of Excellence within CFR harnesses the power of data and digital transformation to elevate risk decision-making while simultaneously enabling commerce and fueling continuous innovation.
• Every strategic decision impacting customer targeting, product underwriting, onboarding experiences, and ongoing portfolio management is guided by cutting-edge analytical insights and data science methodologies.
• This team serves as the backbone of financial services operations at American Express, influencing virtually every aspect of the business from growth strategies to customer trust and security.
• Employees gain exposure to industry-leading experts in analytics, machine learning, and risk management while working on high-impact problems that affect millions of card members and merchants.
• The culture emphasizes shared values, leadership behaviors, and an unwavering commitment to backing customers, communities, and colleagues with integrity and excellence.
• Team Amex provides a collaborative environment where individual voices and ideas contribute meaningfully to defining the future of financial services on a global scale.
• Holistic well-being support, continuous learning opportunities, and clear pathways for leadership development form the foundation of the employee experience.
• American Express remains an equal opportunity employer committed to fostering an inclusive workplace free from discrimination based on any protected status.

Profile overview

• The Analyst Data Science role sits at the heart of the Credit and Fraud Risk Analytics and Data Science Centre of Excellence, where predictive modeling and intelligent decision systems power profitable outcomes across risk, fraud, and marketing domains.
• Professionals in this position develop, deploy, and rigorously validate predictive models that feed into economic logic frameworks, ensuring every decision balances growth opportunities with prudent risk controls.
• Core day-to-day activities revolve around deeply understanding the American Express business model and the key levers that influence credit, fraud, and customer lifecycle decisions.
• Large-scale data analysis forms a central responsibility, requiring the ability to extract meaningful business insights from complex datasets and translate those insights into innovative, actionable solutions.
• The closed-loop nature of the American Express network provides a unique advantage, allowing models to become increasingly intelligent and contextually relevant by incorporating rich transactional and behavioral signals.
• Innovation remains a constant focus, with strong encouragement to explore and implement newer approaches that leverage big data platforms and advanced machine learning techniques.
• Clear articulation of findings is essential, involving structured communication of insights related to both prospects and existing customers to senior leadership and cross-functional partners.
• Maintaining an external perspective on developments in finance, payments, analytics, and related fields ensures the team stays ahead of industry trends and competitive landscapes.
• Collaboration across global teams is integral, requiring the ability to integrate seamlessly with business partners worldwide while driving project deliverables toward measurable business results.
• The role offers exceptional exposure to real-world challenges at scale, working alongside top industry leaders in analytics, data science, and machine learning.
• Individuals passionate about solving complex, unstructured problems and crafting solutions that impact millions of customers will find this environment particularly rewarding.
• Success in the position demands a blend of technical depth, business acumen, and the ability to learn rapidly while operating independently on high-stakes initiatives.
• The hybrid work model supports flexibility while fostering collaboration across the Gurugram and Bengaluru locations, enabling effective teamwork within a dynamic, high-performance culture.
• Overall, this opportunity positions the analyst as a key contributor to American Express’s mission of delivering the world’s best customer experience while driving profitable growth through data-powered decisions.

Qualifications

• Candidates must hold an MBA or a master’s degree in economics, statistics, computer science, or closely related quantitative fields to meet the foundational educational requirements.
• A maximum of 0 to 30 months of relevant experience in analytics or big data workstreams is expected, making the role suitable for early-career professionals and recent graduates.
• Proven ability to collaborate effectively within team environments is essential for success in cross-functional project settings.
• Strong capability to drive project deliverables and achieve defined business outcomes demonstrates the necessary results orientation.
• Excellent communication and interpersonal skills enable clear presentation of complex findings to diverse audiences including leadership and partners.
• An innovative mindset combined with the capacity to learn quickly and operate independently on complex, unstructured initiatives is highly valued.
• Ability to integrate seamlessly with cross-functional business partners across global locations supports the worldwide nature of American Express operations.
• Technical proficiency is required in tools and languages including SAS, R, Python, Hive, Spark, and SQL for data manipulation, analysis, and modeling.
• Hands-on familiarity with both unsupervised and supervised machine learning techniques is expected, covering areas such as active learning, transfer learning, neural models, decision trees, reinforcement learning, graphical models, Gaussian processes, and Bayesian models.
• Experience with Map Reduce techniques and attribute engineering further strengthens the technical foundation needed for big data environments.
• Preferred qualifications include demonstrated expertise in coding, algorithm development, and high-performance computing practices.
• Strong problem-solving orientation and the ability to structure ambiguous business challenges into solvable analytical frameworks are critical.
• Candidates should possess a solid understanding of statistical principles and their practical application to risk, fraud, and marketing decision problems.
• Continuous curiosity about advancements in finance, payments, and analytics domains helps maintain an external lens and drive innovation.
• The combination of technical skills, business understanding, and collaborative capabilities positions individuals to contribute meaningfully from day one while growing rapidly within the organization.

Additional info

• American Express builds its culture on a 175-year history of innovation, shared values, and leadership behaviors that prioritize backing customers, communities, and colleagues.
• The organization delivers differentiated products and world-class customer service while operating with a strong risk mindset that upholds the brand promise of trust, security, and service.
• Team members experience powerful backing through comprehensive support for holistic well-being, encompassing physical, financial, and mental health dimensions.
• Competitive base salaries form the foundation of compensation, complemented by bonus incentives that recognize individual and team contributions.
• Support for financial well-being and retirement planning helps employees build long-term security alongside their careers.
• Comprehensive medical, dental, vision, life insurance, and disability benefits are provided, with specifics varying by location.
• A flexible working model offers hybrid, onsite, or virtual arrangements depending on role requirements and business needs, supporting work-life integration.
• Generous paid parental leave policies are available based on location, reflecting the company’s commitment to family support.
• Free access to global on-site wellness centers staffed with nurses and doctors is offered in eligible locations to promote employee health.
• Confidential counseling support through the Healthy Minds program provides mental health resources at no cost.
• Extensive career development and training opportunities enable continuous skill building, leadership growth, and long-term career progression.
• Every colleague has the opportunity to share in the company’s success and is recognized for contributions, leadership, and impact.
• The environment emphasizes integrity, inclusion, and belonging, ensuring everyone is seen, heard, and valued.
• Employment offers are conditioned upon successful completion of a background verification check in accordance with applicable laws and regulations.
• American Express is an equal opportunity employer and makes all 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.
• The hybrid arrangement across Gurugram and Bengaluru locations enables access to vibrant tech and finance ecosystems while maintaining collaboration with global teams.
• Working in the CFR Analytics and Data Science CoE provides unmatched exposure to high-visibility projects that directly influence company-wide risk strategies and customer experiences.
• Individuals joining this team become part of a mission-driven organization that balances profitable growth with an uncompromising focus on customer trust and security.
• The combination of technical challenge, business impact, and supportive culture makes this role an exceptional launchpad for a long-term career in data science and risk analytics within a global financial leader.

Please click here to apply.