Analyst - Data Science

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on #TeamAmex.

About Credit & Fraud Risk Finance

Credit & Fraud Risk (CFR) Finance team delivers fact-based, decision-driven and high-impact credit-risk related insights and deep analytics, P&L stress tests to support regulatory views and governance processes and the forecasting of Net Loss Provision. The key objective is to drive prudent financial decisions and support credit-risk strategies while ensuring adherence to governance and controls. This position will be part of a highly talented team with strong intellectual curiosity.

About The Analyst - Risk Finance Data Science

This role will be a part of the CCAR Volumes team within Credit & Fraud Risk Finance under Corporate Planning (CP&A). The primary responsibility of the team is to leverage data, latest tools, and advanced techniques to innovate and help the organization make sound forecasts of the company’s Billed Business and Loan amounts for all of AXP in the context of the annual Comprehensive Capital Analysis and Review (CCAR) exercise.

How will you make an impact in this role?

• Develop and maintain econometric models used to forecast Billed Business and Loans for US portfolios and key international markets
• Analyze portfolio/market trends and identify key drivers of forecast performance
• Update model documentation submitted to internal validation teams and external regulators
• Support various stress testing exercises across AXP, including Bank Holding Company and local market Internal Capital Adequacy Assessment Process (ICAAP) and American Express National Bank (AENB) Macroeconomic Stress Testing
• Present and defend statistical modeling techniques to various internal and external stakeholders, including Model Risk Management Group (MRMG), Internal Audit Group (IAG), AENB Board of Directors, Federal Reserve Board (FRB), and Office of the Comptroller of the Currency (OCC)
• Partner with various cross-functional teams, including Treasury, Corporate Planning, and Risk
  
  

Minimum Qualifications:

• Degree in quantitative field such as mathematics, computing or statistics
• Strong understanding of statistical/predictive models, data extraction and analytical techniques
• Experience using statistical software (Python and SQL) and manipulating large data sets for development of statistical/predictive models
  
  

Preferred Qualifications:

• 1-2 years of relevant experience with a degree in quantitative field such as mathematics or statistics
• Experience building models using machine learning algorithms including Regression, Gradient Boosting, or other techniques.
• Ability to break down complex ideas into understandable and actionable messages
• Curious & Analytical - Ability to ask thoughtful questions and exhibit the ability to define a path to answer those questions.
  
  

Salary Range: $55,000.00 to $105,000.00 annually + bonus + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• Competitive base salaries
• Bonus incentives
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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
  
  

For a full list of Team Amex benefits, visit our Colleague Benefits Site.

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.

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.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.