Neha Singh 
Vice President, Enterprise Business Intelligence Engineering

Khushboo Kumar 
Service Delivery Lead

Rohit Bairagi 
Lead Credit Specialist

Job Description : 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 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. Function Description: The incumbent would be part of the Credit Risk Decision Science team based in Gurgaon and reporting into the Manager - International Commercial Credit Data Strategy. The incumbent will be responsible for conducting detailed analysis on internal data and third-party vendor data to drive the data strategy in New Accounts, Customer Management and Collection models and strategy for Global Commercial business. Purpose of the Role: - Band 30 analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial. - The Analyst will support the team in managing critical Data Audit and exploration projects. Responsibilities: Specific responsibilities would include: - Drive commercial credit data strategy across the customer lifecycle through structured and risk-based principles - Explore traditional and alternative commercial credit and fraud data/services - Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions - Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including internal data sources, new third party data vendor onboarding and existing products - Ensuring compliance with all regulatory requirements through robust risk policies - Periodically review cases to identify modeling/strategy opportunities and improve customer experience - Evaluate new internal and external data sources like bank statement, financials, merchant data, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models/strategies - Closely partner with external data vendors, internal capabilities, and internal commercial risk teams to ingest new data sources for models/strategies Critical Factors to Success: - Drive profitability through advanced analytical techniques - Put enterprise thinking first, connect the role's agenda to enterprise priorities and balance the needs of customers, partners, colleagues &amp; shareholders - Lead with an external perspective, challenge status quo and bring continuous innovation to our existing offerings - Demonstrate learning agility, make decisions quickly and with the highest level of integrity - Should possess strong analytical and problem solving skills and a tremendous will to win - Strong relationship building, management and influencing skills - Exceptional verbal, written, and interpersonal communication skills Minimum Qualifications Past Experience: - 0-3 years of experience in analytics/credit risk or related work experience - Strong data handling and ability to apply statistical/quantitative techniques and methods to drive business results - Exposure to decision science and predictive modeling is preferred. Academic Background: - Master's Degree in a quantitative field (e.g. Finance, Engineering, Mathematics, Statistics Computer Science or Economics) from a top tier institute Functional Skills/Capabilities: - Strong quantitative, analytical, project management and structured problem solving skills with proficiency in SAS/Python, SQL, HIVE &amp; EXCEL - Ability and willingness to work in a fast-paced environment and on aggressive time-lines - Effective team player and be able to manage multiple projects - Excellent oral and written communication skills - Experience in analyzing data, drawing inferences and making recommendations - Strong relationship management and negotiation skills - Understanding of credit card business economics Technical Skills/Capabilities - SAS, SQL, Excel and HIVE/Python (Optional) Behavioral Skills/Capabilities: - Demonstrated ability to succeed in high performing teams - Strong relationship management and negotiation skills - Ability to grasp business problems/identify business opportunities and provide modeling solutions to solve them - Demonstrated ability to drive innovation - Experience in handling/influencing senior leaders/partners across geographies is preferred - Enterprise Leadership Behaviors - Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective - Bring Others With You: Build the Best Team, Seek &amp; Provide Coaching Feedback, Make Collaboration Essential - Do It The Right Way: Communicate Frequently, Candidly &amp; Clearly, Make Decisions Quickly &amp; Effectively, Live the Blue Box Values, Great Leadership Demands Courage American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. The apply button will redirect you to an external URL, please apply there as well.

Gurgaon/Gurugram

Haryana

American Express - Business Analyst/Assistant Manager - Credit Risk Decision Science Team 

American Express - Business Analyst/Assistant Manager - Credit Risk Decision Science Team  ,Job Description for American Express - Business Analyst/Assistant Manager - Credit Risk Decision Science Team  in American Express in  Gurgaon/Gurugram Haryana for (0-3) years of experience. Apply Now!

Job Description for American Express - Business Analyst/Assistant Manager - Credit Risk Decision Science Team  in American Express in  Gurgaon/Gurugram Haryana for (0-3) years of experience. Apply Now!