31/01 American Express
Recruitment Team at American Express

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American Express - Business Analyst - Risk Management II (0-6 yrs)

Gurgaon/Gurugram Job Code: 406461

Job Description :


- American Express is a global services company and the world's largest card issuer. Our direct relationships with many millions of consumers, businesses and merchants worldwide - combined with our leading edge marketing, information management and rewards capabilities - enable us to offer an array of valuable services that enrich lives, build business success, encourage financial responsibility and create communities of people with common interests.


- American Express for 9th consecutive year has been voted among India's top 10 workplaces by the Great Place to Work institute. In recognition of our consistent performance, we were nominated to the Great Place to Work - Hall of Fame- .


- At American Express, we serve customers, not transactions. We- re widely known for providing superior customer service and have been recognized for a number of achievements including being ranked highest in customer satisfaction within the credit card industry by J.D. Power for seven consecutive years.


- A career at American Express is rich in experience and offers opportunities to build lasting relationships with our customers.


- Come join us and realize your potential.


Function Description :


- The CFR team helps drive profitable business growth by reducing the risk of fraud and maintaining our customers' confidence in the security of our products.


- It utilizes an array of tools and ever-evolving technology to detect and combat fraud, minimize the disruption of good spending and provide a world-class customer experience.


- The team leads efforts that leverage data and digital advancements to improve service and risk management as well as enable commerce and drive innovation. CFR is responsible for developing and monitoring statistical models for predicting individual and commercial' behaviors such as credit risk, fraud risk, spending and revolve.


- These models are used for key business decisions made across the customer life cycle to manage risk and accelerate profitable business growth. Underpinning our growth as a company are the tools and capabilities that ensure we prudently take and manage risk in a viable way.


Purpose of the Role : Develop and enhance existing American Express risk strategies by leveraging data across various stages of card member lifecycle


Responsibilites :


- Develop and enhance existing profitability based risk management logic by leveraging best-in-class analytical techniques and data across Acquisition, Underwriting or Customer Management stages of the card member lifecycle


- Lead the analytics for driving billing, revenue growth and profitability through diverse analytical projects spanning across Underwriting, Line Management, Yield Management, Lending on Charge and Central Lending Capabilities


- Enhance the economic logic, optimization of business rules to maximize through the Cycle returns for all business functions and improve marginal economics


- Application of machine learning techniques to create efficiencies in the existing processes


- Exploration of new Information sources to improve our risk discrimination and / or improve our economics over and above existing framework


- Partner with other teams across the globe to develop System Capabilities and other logic(s) that will help in more optimal decision


Critical Factors to Success :


Business Outcomes :


- Drive billing, revenue growth and profitability through advanced analytical techniques


- Maximize business returns by institutionalizing efficient and accurate models.


Past Experience : -6 years relevant experience in Analytical Skills


Preferred : SAS, SQL, R, Python programming


Academic Background : Post Graduate Degree in Statistics/Mathematics/Economics/ Engineering/Management


Functional Skills/Capabilities :


- R, Python, Hive, Pyspark SAS, SQL


- Advanced Statistical Techniques


- Hands on programming and ability to design


Technical Skills/Capabilities :


Knowledge of Platforms :


- Big Data - Cornerstone


- Teradata


- BlueLight


Behavioral Skills/Capabilities:


- 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 & Provide Coaching Feedback, Make Collaboration Essential


- Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue

Box Values, Great Leadership Demands Courage


- Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue

Box Values, Great Leadership Demands Courage


#NOLI

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