Campus_PhD_Internship_Data Science_Credit and Fraud Risk_2025

Campus_PhD_Internship_Data Science_Credit and Fraud Risk_2025
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American Express
Gurugram, HR, India
Contract
Full time
CLOSING SOON
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Description
Job Description – PhD Intern (Data Science) – Credit and Fraud Risk
About American Express:
You Lead the Way. We’ve Got Your Back.
With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
Join Team Amex and let’s lead the way together.
Functional Description
In American Express, Decision Science plays a pivotal role within the Credit and Fraud Risk (CFR) organization. CFR can be described as the backbone of all financial services operations at American Express - impacting every aspect of the company. As a member of Decision Science, you’ll work with the industry’s top CFR teams to create smart and innovative solutions that advances our market share and delights our customers.
Decision Science colleagues are sought as thought-leaders and problem-solvers, blending business, technological, and industry practices to develop analyses, models, and algorithms that power customers' digital experiences. This critical team manages enterprise risks throughout the customer lifecycle, across consumer and commercial businesses globally. They apply industry-leading modeling and AI practices to predict customer behavior, deploying and validating predictive models for various functions such as credit, fraud, marketing, and servicing optimization engines.
Responsibilities
Identify new opportunities for AI in existing business processes in partnership with functional owners.
Work with extensive amounts of structured/unstructured data and tools in an industry leading Big Data environment.
Develop insights into customer behavior and introduce new approaches using big data & machine learning solutions to convert complex behavioral data into actionable information.
Build everything from basic reports to advanced machine learning models and algorithms to drive improvements in our customer’s experiences.
Collaborate with tech partners to test, implement, and deploy modeling solutions to production system.
Actively contribute to relevant scientific communities by extending existing ML libraries and frameworks, staying updated on developments, and publishing scholarly articles and patents
Critical Factors to Success (Outcome Driven):
Business Outcomes:
Innovate ways to evangelize the research outcome to drive significant value
Contribute to the strategy and roadmap of AI/ML Initiatives to help drive most impact
Work with business to identify innovation opportunities and ability to formulate the data science problems from the business requirements.
Leadership Outcomes:
Lead with an external perspective, challenge status quo and bring continuous innovation to push the boundaries of the state of the art
Demonstrate learning agility, make decisions quickly and with the highest level of integrity
Qualifications
Academic Background:
Enrolled in a full time PhD program (at least 3 years into the program) in a quantitative field like Computer Science, Statistics, Mathematics, Physics, Operation Research etc.
Completed Masters/B. Tech in a quantitative field like Computer Science, Operations Research, Statistics etc.
Functional Skills
Ability to drive project deliverables to achieve business results.
Strong quantitative, analytical, and structured problem-solving skills.
Learning agility, attention to detail, creativity, and self-sufficiency along with strong interpersonal/ collaborative skills.
Track record of developing solutions with tangible benefits as well as inclination towards creation of intellectual property i.e., patents and papers in reputed conferences.
Excellent written and verbal communication skills.
Proficient in presentation tools, including Excel and PowerPoint.
Technical Skills:
Strong hold on one or more of the following areas: Deep Learning, Machine Learning, Natural Language Processing, Large Language Models, Document Processing, Image Processing, Computer Vision and related technical areas.
Hands on programming and ability to design algorithmic solutions using (one or more) Python, Java, C++, Scikit Learn, Git, Keras, PyTorch, Hive, Hadoop, Pyspark, SQL.
Proficiency in Algorithms & Data Structures, Mathematical Modelling and Data Science, Advanced Statistical and machine learning techniques.
Thorough knowledge of basics in math, statistics, and machine learning.
Experience in NLP, machine learning and deep learning techniques like unsupervised and supervised techniques-: active learning, transfer learning, neural models, Decision trees, reinforcement learning, graphical models, Gaussian processes, Bayesian models. Boosting & bagging techniques, Loss functions, feature engineering, graph NN, RCNN, GCNN, BERT, Transformers etc.
Knowledge of Platforms:
Hands-on experience with scikit-learn, OpenCV, GIT, Hive, experience on deep learning platforms such as Keras, PyTorch etc. is desirable.
Behavioral Areas:
Set The Agenda: 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
Job Location - Hybrid (Gurgaon/Bangalore) – depending on business requirements.
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.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
Campus Benefits:
We back our colleagues and their loved ones with benefits and programs that support their well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
Competitive base salaries
Flexible work arrangements and schedules with hybrid and virtual options with Amex Flex
Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
Free and confidential counselling support through our Healthy Minds program Career development and training opportunities
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