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There’s a difference between having a job and making a difference.
Company has been making a difference in people’s lives for over 160 years,
backing them in moments big and small, granting access, tools, and resources to take
on their biggest challenges and reap the greatest rewards.
We’ve also made a difference in the lives of our people, providing a culture of learning
and collaboration, and helping them with what they need to succeed and thrive. We
have their backs as they grow their skills, conquer new challenges, or even take time to
spend with their family or community. And when they’re ready to take on a new career
path, we’re right there with them, giving them the guidance and momentum into the
best future they envision.
Because we believe that the best way to back our customers is to back our people.
The powerful backing of Company.
Don’t make a difference without it.
Don’t live life without it.
he Credit & Fraud Risk (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. As a part of Global Commercial Credit Risk Decision Science person is responsible for developing and monitoring statistical models for predicting individual and commercial credit risk. These models are used for key business decisions made across the customer life cycle to manage risk and accelerate profitable business growth
Purpose of the Role:
Develop and enhance existing Company risk strategies / statistical models by leveraging best-in-class modeling techniques and data across various stages of card member lifecycle
Critical Factors to Success:
Drive billing, revenue growth and profitability through advanced analytical techniques
Maximize business returns by institutionalizing efficient and accurate models.
Innovate Modeling Techniques and Variable creation
Ensure Modeling Accuracy and enhance modeling efficiency in existing processes using Machine Learning
Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers, partners, colleagues & 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
Lead with a digital mindset and deliver the world’s best customer experiences every day
0-3 years relevant experience in Analytical/Modelling Skills
Post Graduate Degree in Statistics/Mathematics/Economics/ Engineering/Management
Functional and Technical Skills/Capabilities:
1. Analytics & Insights & Targeting
SAS, R, Python ,Hive, Pyspark, SQL
Advanced Statistical Techniques
Hands on programming and ability to design.
2. Data Science/Machine Learning/Artificial Intelligence
Expertise in Coding, Algorithm, High Performance Computing
Unsupervised and supervised techniques - : active learning, transfer learning, neural models, Decision trees, reinforcement learning, graphical models, Gaussian processes, Bayesian models, Map Reduce techniques, attribute engineering