Job Location: Gurgaon, Haryana, India
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At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. We back our colleagues with the support they need to thrive, professionally and personally. That’s why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.
Functional Description
The CFR team helps drive profitable business growth by reducing the risk of fraud and maintaining our customers’ confidence in the security of our products. It utilizes an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending, and provide a world-class customer experience. The team leads efforts that leverage data and digital advancements to improve service and risk management as well as enable commerce and drive innovation. CFR is responsible for developing and monitoring statistical models for predicting individual and commercial’ behaviors such as credit risk, fraud risk, spending and revolve. These models are used for key business decisions made across the customer life cycle to manage risk and accelerate profitable business growth. Underpinning our growth as a company are the tools and capabilities that ensure we prudently take and manage risk in a viable way.
Purpose of the Role:
The candidate would be part of Payments Decision Science team. Candidate would be required to understand the payments landscape globally, identify opportunities and develop, validate and implement next generation of modeling solutions leveraging AI/ML technologies.
The candidate will require to evaluate internal and external data sources that can be leveraged to build features to identify risky segments and in doing so will have to work closely with Internal and External partners.
Responsibilities
- Develop new and enhance existing Fraud / CBO prevention Models by leveraging best-in-class analytical techniques and data.
- Application of machine learning techniques to create improvement and efficiencies in the existing processes.
- Exploration of new data sources to identify features helpful in fraud risk discrimination
- Partner with various teams across the globe to evelop capabilities to help implement designed features/models.
- Critical Factors to Success:
- Business Outcomes: Drive Revenue growth and profitability through advanced analytical techniques; Innovation in use of Modeling Techniques and Variable creation
- Leadership Outcomes: Put enterprise thinking first – connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues; Lead with an external perspective – challenge status quo and bring continuous innovation to our existing offerings while keeping a keen eye on industry/competition
- Past Experience:
- 0-3 years with relevant experience in Analytcial/Modeling Skills
- Proven experience of 1-3 with machine learning algorithms.
- Knowledge of a usage of machine learning in industry and latest innovation.
- Preferred: Experience in R/Python programming and/or Statistical Modeling
- Academic Background:
- Postgraduate in Statistics/Mathematics/Economics/ Engineering/Management
- Functional Skills/Capabilities:
- Data Science/Machine Learning/Artificial Intelligence: Gradient Boosting Machines, Deep Learning, Unsupervised Techniques, Decision Trees, Nearest Neighbour
- Technical Skills/Capabilities:
- Analytics & Insights: Advanced Statistical Techniques; Data Correlation; GINI, Concordance, Precision, Recall; Deck Mechanics
- Knowledge of Platforms:
- R, Python, SAS, SQL; Advanced Excel and Powerpoint
- Behavioral Skills/Capabilities:
- Clear and candid communication (oral and written)
- Attention to detail and high-quality execution.
- Build collaborative and trusting relationships.
- Manage multiple projects concurrently in an environment of tight deadlines
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
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