At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career.

Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

How will you make an impact in this role?

Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.

Be a Curious Researcher: Research and develop new modeling techniques, methodologies, and paradigms, leveraging internal and external insights from academia and industry to identify approaches with strong business outcomes in credit and fraud risk. Establish proofs of concept of novel approaches.  Develop new metrics to better capture model differences. Be a Thought Leader: Inform and educate peers and leaders across the enterprise on the business benefits of new techniques.  Present findings, recommendations, and results successfully to both technical and non-technical audiences, including executive leadership, via clear reports, visualizations, and presentations. Collaborate Across Teams: Establish and maintain close relationships with cross-functional partners to understand business strategies, develop goals, and address opportunities.

Minimum Qualifications:

PhD or Master’s degree in Data Science, Mathematics, Computer Science, Statistics, Engineering, or related STEM field. Industry experience is preferred. Proven problem-solving skills and research ability, leveraging external insights from academia and industry. Great communication skills; able to explain methodologies and business impact to both technical and non-technical peers and leaders, including executive leadership. Strong fundamental statistical modeling and ML knowledge, e.g. regression, clustering, hypothesis testing, GBMs, neural networks.  Hands-on experience applying such algorithms to real-world business problems. High Proficiency in Python programming is required. Strong fundamental deep learning compute background, including knowledge of packages such as PyTorch and Tensorflow. Knowledge of database tools, e.g. SQL, BigQuery, and familiarity with big data platforms, e.g. Hadoop, Hive, Spark. Experience in big data environments, including data processing and handling, and cloud computing platforms such, e.g. Amazon Web Services, Google Cloud Platform. Strong analytical and conceptual thinking, with demonstrated ability of translating complex, unstructured business problems into mathematical programming models. Proficiency with data visualization and reporting tools, e.g. matplotlib, seaborn, altair Proficiency with industry recognized ETL methods, processes and standards Ability to work independently as well as on a small team.

Preferred Qualifications:

Familiarity with credit card/installment loan industry Familiarity with transformers, natural language processing, graph algorithms.

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) Free and confidential counseling support through our Healthy Minds program Career development and training opportunities

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.