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
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 UsAt 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 the TeamWe 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.
Skills Required
- 3+ years experience in data science or machine learning, developing and deploying ML models
- MS or PhD in a quantitative field (Computer Science, Statistics, Mathematics, Physics, Chemistry, Operations Research, etc.) with hands-on analytical and ML experience
- Expertise in an analytical language (Python or equivalent)
- Experience with databases (Google BigQuery or equivalent)
- Ability to frame business problems into mathematical/programming problems and deliver business insights
- Ability to work effectively in a team environment
- Strong communication skills and ability to integrate with cross-functional business partners
- Independent, organized, detail-oriented, able to handle complexity
- Ability to learn quickly and work independently on unstructured initiatives
- Experience with data visualization
- Solid understanding of card and lending economics
- Proficiency handling large, complex datasets and deriving actionable insights
- Ability to communicate technical concepts to non-technical audiences
- Ability to research and apply new/unfamiliar data science methods
- Experience with Generative AI (APIs, MCP, agents)
- Experience using Git and GitHub
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
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Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
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Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
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Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete beyond base salary.
American Express Insights
What We Do
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 striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
