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Job Description

The Finance Organization drives business value by being a strategic partner in every decision made in support of the Company’s success. We bring a powerful combination of financial expertise, a deep understanding of complex analytics, a thorough knowledge of the risk environment, and a commitment to upholding the highest standards of financial integrity.

This role sits within Finance Data Science and Analytics, a team focused on developing innovative solutions that bring greater stability, predictability, and insight to the AXP P&L through data science, machine learning, and advanced analytics.

Responsibilities

• Lead the design, planning, and execution of machine learning projects, ensuring alignment with the company’s strategic goals and objectives.
• Innovate with a focus on developing newer and better revenue models using big data and machine learning solutions.
• Design, develop, and deploy machine learning models to predict spending and lending patterns, delivering value to finance colleagues and business partners.
• Leverage causal inference framework to determine drivers and their contribution in revenue growth
• Utilize advanced data analysis and visualization techniques to explain model outputs and extract insights that support decision-making processes.
• Collaborate with key stakeholders, including senior management, partners, and the model validation group, to drive the success of machine learning projects.
• Ensure that all regulatory needs are met by way of close collaboration with 2nd Line (MRMG) and 3rd Line (IAG) requirements, in addition to continued compliance with AEMP55

Qualifications

Minimum Qualifications:

• Minimum of 3+ years of experience in data science or machine learning, with a focus on developing and deploying machine learning models.
• MS or PhD in a quantitative field (Computer Science, Statistics, Mathematics, Physics, Chemistry, Operations Research, etc.) with hands-on experience leveraging sophisticated analytical and machine learning techniques.
• Expertise in an analytical language (Python preferred), and experience with databases (Google BigQuery or equivalent) is required.
• Demonstrated ability to frame business problems into mathematical programming problems, leverage external thinking and tools (from academia and/or other industries) to engineer a solution and deliver business insights.
• Ability to work effectively in a team environment.
• Independent thinker who is organized, has great attention to detail, and can effectively handle complexity.
• Strong communication skills; ability to integrate with cross-functional business partners.
• Ability to learn quickly and work independently with sophisticated, unstructured initiatives.
  

Preferred Qualifications:

• Experience with data visualization is a plus.
• Solid understanding of card and lending economics
• Proficiency in dealing with large quantities of complex data and ability to derive actionable insights
• Demonstrated ability to communicate technical concepts to non-technical audiences, bridging the gap between academic outputs and real-world applications
• Ability to research and apply new/unfamiliar data science methods
• Experience with Generative AI (APIs, MCP, agents)
• Experience using Git and GitHub

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

About us

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.

About

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
• 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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.
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.
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The below 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.​