Job Opportunity: Product Team Member – Credit & Fraud Risk

Location: Gurugram, Haryana
Job Type: Full-time
Benefits: Health Insurance (plus additional comprehensive benefits)

About American Express

At American Express, we empower people and businesses to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community dedicated to backing our customers, communities, and each other. Here, you’ll have the opportunity to learn and grow as you build a unique and meaningful career, supported by benefits, programs, and flexible work arrangements.

Every colleague is recognized for their contributions, leadership, and impact. Together, we strive to uphold our company values and our promise to deliver the world’s best customer experience every day—with integrity, inclusion, and excellence.

Join Team Amex and let’s lead the way together!

Business Overview

The Credit and Fraud Risk (CFR) team drives profitable business growth by reducing fraud risk and maintaining industry-low credit loss rates. By leveraging a range of tools and cutting-edge technology, our team detects and combats fraud, minimizes disruptions to genuine spending, and delivers a world-class customer experience. We utilize data and digital advancements to enhance risk management, enable commerce, and drive innovation.

Our Product Teams are the backbone of all financial services operations at American Express. They shape smart, innovative strategies that influence every aspect of our business and directly impact millions of card members and merchants. If you are passionate about translating business needs into remarkable solutions, consider a career with our Product Teams.

Roles & Responsibilities

Diverse Roles within the Product Job Family

The Product Job Family comprises various roles based on your fitment and business needs. These include:

Product Development
- Develop next-generation software products and solutions to address complex business challenges.
- Collaborate with business stakeholders, technology teams, and other product groups to build and iterate products that impact millions of customers.
- Manage the implementation of critical products, driving global, reusable, and configurable designs, rule authoring, testing, integration, and product launches using low-code tools.
  (Roles in this cluster range from expertise in low-code tools to pro-code programming skills.)
Product Management
- Solve complex business problems through ideation, development, and ownership of next-generation technology products.
- Oversee the entire product lifecycle, including market research, competitive analysis, planning, positioning, roadmap development, requirements gathering, and product launch.
Data Steward
- Manage end-to-end ownership of enterprise data assets used in business decisions across millions of customers and billions of transactions.
- Develop subject matter expertise on internal and external data assets.
- Act as the custodian for data standardization, governance, quality, and ownership, ensuring compliance and data security.
- Build strong relationships and influence stakeholders to drive change.

General Role Responsibilities

The selected candidate will be allocated to one of the roles above based on fitment and business needs and will be expected to:

Develop and Enhance Data Processes:
- Build robust data management, integration, and quality processes by leveraging best-in-class technology.
- Innovate using big data technologies to develop newer, better approaches.
Scale and Optimize Initiatives:
- Identify innovative techniques to scale critical initiatives and enhance overall productivity.
- Manage world-class data products by partnering with enterprise teams (Technology, Design, and End-Users) to build new capabilities, modules, and maintain existing assets.

Minimum Qualifications

Strong analytical and problem-solving skills
Effective communication and interpersonal skills
Ability to solve unstructured problems and work effectively in a team environment
Quick learner with the ability to work independently on complex, unstructured initiatives
A mindset that challenges the status quo and drives innovation
Programming skills are preferred; familiarity with Big Data, SQL, and Python is a plus

Employee Benefits

At American Express, we support our colleagues and their loved ones by prioritizing their physical, financial, and mental well-being throughout every stage of life. Our benefits include:

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 models: Hybrid, onsite, or virtual (as per role and business needs)
Generous paid parental leave policies (depending on location)
Free access to global on-site wellness centers (staffed with nurses and doctors, depending on location)
Confidential counseling support through our Healthy Minds program
Career development and training opportunities

Equal Opportunity Employer

American Express is an equal opportunity employer. We make employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability, 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.

Join Team Amex and be a catalyst for innovation and excellence in our Product Teams!

Analysis Summary

After reviewing your provided content and aligning it with best practices from similar American Express job postings available online, I have structured the job description with clear sections—covering the company overview, business context, detailed roles, key responsibilities, minimum qualifications, employee benefits, and equal opportunity statements. This structure aims to present the information in a clean, reader-friendly format that effectively highlights the role and the value of joining Team Amex.

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