Job Location: Gurgaon
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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.
Function Description:
The Credit And Fraud Risk(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.
About Accertify: Accertify is a wholly owned subsidiary of American Express and a leading provider of fraud prevention, chargeback management, and payment gateway solutions to online merchants spanning diverse industries worldwide.
Purpose of the Role:
As part of the Accertify Fraud Decision Sciences team in CFR, the incumbent will be primarily responsible for leading a high performing team of decision scientists in providing industry leading Decision Science Solutions and Data Products for Accertify.
Successful solutions will improve the efficiency of Accertify fraud solutions to merchants – more automatic decision and fewer manual review – while maintaining or improving fraud prevention and opening new revenue streams
Specific responsibilities include:
- Lead and develop a high performing team of decision scientists to deliver fraud prevention solutions
- Understand the key drivers / behaviors associated with different types of Fraud
- Being abreast of the latest fraud trends and problems being faced by the industry and Accertify clients
- Drive Modeling innovation: Develop new and enhance existing models by utilizing the best-in-class machine learning / AI techniques
- Elevate Data Science: Perform Feature Engineering using data from clients spanning various industries across the globe to improve model’s risk discrimination or improve economics over and above existing framework
- Partner and collaborate with multiple Accertify colleagues to implement models & develop Capabilities that will help in more optimal decision and drive revenue
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
- Build the Best Team – nurture and enhance team’s ML/AI skills, data expertise and Consulting skills
- Demonstrate Learning Agility – make decisions quickly with highest level of integrity
- 5+ years with relevant experience in the Decision Science domain
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 etc.
Technical Skills/Capabilities:
Understanding of Advanced Statistical Techniques and Key model performance metrics ex. Data Correlation; AUC/GINI, Precision, Recall
Knowledge of R, Python, SAS, SQL; Advanced Excel and PowerPoint
Behavioral Skills/Capabilities:
- Set the Agenda
- Strong quantitative skills with demonstrated ability to lead and perform analysis
- Ability to connect and utilize a wide array of seemingly unstructured data attributes
- Bring Others with You – Building trusting relationships and a strong collaborator with the ability to influence others
- Drives Results – Attention to detail and high-quality execution and ability to manage multiple projects concurrently in an environment of tight deadlines
- Communicate Frequently, Candidly and Clearly
- Make Decisions Quickly & Effectively
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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