Functional Description

A single decision can have many outcomes. And when that decision affects millions of customers, it needs to be the right one. That’s where our Data Science team comes in. The team leads efforts that leverage data and digital advancements to improve risk management as well as enable commerce and drive innovation, every day. Right from targeting the right customer for our products to underwriting them to managing their experience with Amex when they get onboarded, every decision is informed by cutting edge analytics & data science. We help the company grow its business profitably while delivering the world's best customer experience, all powered by data. We are the backbone of all financial services operations at American Express and impact every aspect of the company.

As a part of our team, you’ll have the opportunity to work in one of the best companies for data scientists in the country. You will solve real world business problems while getting exposure to the industry’s top leaders in analytics, data science and machine learning. If you're passionate about solving complex problems and creating solutions that impact millions, you should consider a career at American Express.

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 offer a student program to strengthen your skills and help shape your future personally and professionally. The Internship Program is considered one of the key entry points for our full-time campus hires. It is a project-based program that provides you with the opportunity to address real business challenges and offers you access to senior leaders, professional development activities, fun social events and more.

Key Responsibilities:

• Underwriting: Assessing creditworthiness of applicants and establishing profitable acquisition frameworks
• Customer Management: Dynamically assessing customer behavior to take appropriate lending decisions
• Fraud Prevention: Preventing misuse of genuine customers’ information by fraudsters
• AI Labs: Designing NLP/Generative AI and advanced machine learning based products that enable advanced analytics. Conduct research in NLP/GenAI and associated ML/RL fields.

Other Responsibilities:

• Build everything from basic reports to advanced machine learning models and algos to drive improvements to our customer’s online and mobile app experiences.
• Work with product owners to redefine the product and content design with a data-driven approach
• Collaborate with tech partners to test, implement and deploy modeling solutions to production system
• Develop insights into customer behavior and introduce new approaches to transform complex behavioral data into useful information
• Work with extensive amounts of digital data (Web, App, API) , External data and sophisticated tools in an industry leading Big Data environment.
• Innovate with a focus on developing newer and better approaches using big data & machine learning solutions

Generally, the role will entail the following responsibilities:

• Understand the core business of AXP and the levers behind various decisions
• Understand the specific business problem at hand and analyze relevant data to derive business insights
• Translate business insights to implementable solutions such as business strategies/data science/ machine learning models

Qualifications

• Ideally, a penultimate-year student enrolled in an advanced degree programme (Master’s or PhD) in a quantitative discipline (e.g., Computer Science, Engineering, Statistics, or Mathematics), or Master's in Business Administration with hands-on experience using sophisticated analytical and machine learning techniques and be available to intern in May 2026.
• Ability to learn quickly and work independently with complex, unstructured initiatives
• Hands-on experience on leveraging Machine learning/deep learning/NLP/generative AI techniques for solving problems
• Ability to drive project deliverables to achieve business results
• Ability to work effectively in a team environment
• Strong communication and interpersonal skills
• Good Programming skills - Knowledge of Python, SQL
• Knowledge of MS Office – PowerPoint, Excel
• Ability to learn quickly and work independently with complex, unstructured initiatives
• Hands-on experience on leveraging Machine learning techniques for solving problems
• Ability to drive project deliverables to achieve business results
• Ability to work effectively in a team environment
• Strong communication and interpersonal skills
• Good Programming skills - Knowledge of Python , SQL
• Knowledge of MS Office – PowerPoint, Excel

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.