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.

Functional Description

Decision Science colleagues will serve as a key member of the Credit and Fraud Risk organization. We seek a thought-leader and a problem-solver who can blend business, technical, and industry standard methodologies when it comes to developing the analyses, models, and algorithms that power our customers’ digital experiences. This critical team is responsible for handling enterprise risks throughout the customer lifecycle, across our consumer and commercial businesses, and across all our global products. We develop industry-first data capabilities, build profitable decision-making frameworks, create machine learning-powered predictive models, and improve customer servicing strategies.

Our Decision Science teams use industry leading modeling and AI practices to predict customer behavior. We develop, deploy and validate predictive models and support the use of models in economic logic to enable profitable decisions across credit, fraud, marketing and servicing optimization engines.

We are looking for a talented C++ developer with strong machine learning expertise, particularly in gradient boosting frameworks such as XGBoost. The ideal candidate will design, implement, and optimize scalable ML algorithms for high-performance predictive modeling, and contribute to the development of our end-to-end ML systems.

Responsibilities:

• Develop, optimize, and maintain machine learning models in C++ with a focus on XGBoost and tree-based algorithms.
• Implement efficient data structures and algorithms to support large-scale datasets and high-dimensional features.
• Profile and optimize existing ML code for speed, memory efficiency, and scalability.
• Collaborate with data scientists to translate research prototypes into production-ready code.
• Participate in code reviews, testing, and deployment of ML pipelines.
• Stay up-to-date with latest research in gradient boosting and ensemble learning.
  

Requirements:

• Strong proficiency in C++, including templates, memory management, and multi-threading.
• Deep understanding of gradient boosting algorithms, especially XGBoost.
• Experience in performance optimization, parallelism (OpenMP, multithreading), and memory-efficient programming.
• Proficiency in Git: Demonstrated understanding and practical application of core Git commands and concepts.
• Familiarity with PMML, or model deployment frameworks is a plus.
• Knowledge of Python for prototyping ML models is advantageous.
• Strong problem-solving skills and ability to work independently or in a collaborative team.
  

Preferred Qualifications:

• Experience with large-scale datasets and production ML systems.
• Familiarity with other ML frameworks such as XGBoost or LightGBM.
  

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.