At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

Business Unit/ Role Specific Info

Credit & Fraud Risk (CFR) department is responsible for protecting the company from credit losses and fraud risk by making the right decision that uphold operational excellence, drive sustainable growth and accelerate innovation.

CFR has teams in multiple markets and Centers of Excellence across the world spanning Strategy, Decision Science, Capabilities & Data for different functions.

Key Responsibilities

The incumbent will be working on the Consumer and Commercial portfolios with a focus on:

• Learn and apply concepts across the credit risk lifecycle (e.g., acquisition, credit line assignment, customer management) to support data-driven, profitable credit decisions.
• Support the team in enhancing credit risk strategies and management reporting by performing data analysis, identifying trends, and highlighting key findings to support risk discussions and decisions within the established enterprise risk framework and governance expectations.
• Collaborate with stakeholders across Hong Kong and global teams in a matrix environment, effectively communicating analyses, ideas, and findings.
• Assist in identifying emerging credit trends and process gaps, and proactively suggest improvements or growth opportunities, with an understanding of risk controls and governance considerations, demonstrating curiosity, critical thinking, and a willingness to ask thoughtful questions.

Skills and Qualifications

• Undergraduate or postgraduate students pursuing a degree in a quantitative or STEM-based discipline, preferably in their Year 3 or Final year of study
• Strong programing skills, especially in Python and SQL, with the ability and hands-on experience in applying them to raw data for transformation and analysis
• Experience with data visualization tools (e.g. Power BI, VBA, Tableau), business intelligence platforms (Google Cloud, Big Query), and large datasets is preferred
• Advanced proficiency in Microsoft Office Suites is preferred
• Prior Internship / Work Experience in Data Analytical role is preferred
• Strong analytical skills with the ability to apply data-driven and innovative solutions to solve business and risk-related problems
• Self-motivated individuals with ability to manage multiple initiatives and priorities in a structured manner
• Strong collaboration skills and able to work effectively in a matrix environment
• Effective communication and presentation skills, including active listening and the ability to articulate ideas and influence others

Program Period

• Intake in June 2026, 3-month period

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.