Campus_Full-Time_Data Science and Business Analytics_Credit and Fraud Risk_Management Trainee_2025

Job Description – Management Trainee – Data Science and Business Analytics Credit and Fraud Risk About American Express: You Lead the Way. We've Got Your Back. 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 70,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. Amex Flex: 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. Overview of the Business: A single decision can have many outcomes. And when that decision affects millions of customers, it needs to be the right one. That's where our Credit & Fraud Risk (CFR) team comes in. The team leads efforts that leverage data and advanced analytics to improve risk management as well as enable commerce and drive innovation, every day. Right from targeting the right customer for our products to underwriting them to managing their experience with Amex when they get onboarded, every decision is informed by cutting edge analytics & data science. We help the company grow its business profitably while delivering the world's best customer experience, all powered by data. We are the backbone of all financial services operations at American Express and impact every aspect of the company. As a part of our team, you'll have the opportunity to work in one of the best companies for data scientists in the countryi. You will solve real world business problems while getting exposure to the industry's top leaders in analytics, data science and machine learning. If you're passionate about solving complex problems and creating solutions that impact millions, you should consider a career in CFR. Responsibilities: Specific job responsibilities will depend on a combination of the business problem and job family. Business problems span across multiple dimensions. An indicative list is given below: Marketing: Effective targeting for customer acquisition & merchant marketing campaigns and drive engagement across channels to maximize return on investments (RoIs) Underwriting: Assessing creditworthiness of applicants and establishing profitable acquisition frameworks Customer Management: Dynamically assessing customer behavior to take appropriate lending decisions. Fraud Prevention: Preventing misuse of genuine customers' information by fraudsters Customer Experience: Reducing friction and elevating customers' interactions with AXP Loyalty & Engagement: Acquire outstanding new customers, increase loyalty and engagement through innovative product and capabilities. Digital Platforms: Development, review and/or execution of analytical solutions to improve prospect and customer experience on AXP digital assets including website, mobile app, email, and push notifications. AI Labs: Designing AI/ML based products that enable advanced analytics. There are three job families within the Analytics, Data Science and AI/ML teams, each of which contribute to solving the business problems mentioned above: Decision Sciences and AI Research: Development, deployment and validation of predictive model(s) and supporting use of models in business strategies to enable profitable decisions across risk, fraud and marketing Business and Analytical Solutions: Development, review and/or execution of business strategies/analytical solutions to drive profitable marketing or credit business actions. AI Products and Platforms: Develop AL/ML capabilities, tools and techniques to enhance Credit and Fraud Risk, and Information Management functions Generally, the role will entail the following responsibilities: Understand the core business of AXP and the levers behind various decisions Understand the specific business problem at hand and analyze relevant data to derive business insights Translate business insights to implementable solutions such as business strategies/data science/ machine learning models

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 70,000 colleagues, all with a common goal to deliver an exceptional customer experience every day.