American Express
Proud winner of ABECA 2025 - AmbitionBox Employee Choice Awards
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Identify gamers through targeted outreach and provide sentinel options for engagement and support.
Utilize social media platforms like Twitch and Discord to connect with gamers.
Host gaming events or tournaments to attract and engage the gaming community.
Create surveys or polls to gather insights on gamer preferences and needs.
Offer sentinel options such as in-game rewards or exclusive content to enhance player expe...
Unutilized credit card limits are recorded as a liability in accounting, reflecting available credit.
Unutilized credit card limits are not recorded as an asset or liability until used.
Example: If a credit card has a limit of $10,000 and $2,000 is used, the unutilized limit is $8,000.
In financial statements, only the utilized amount is reflected as a liability.
Monitoring unutilized limits helps in assessing credit ...
The ML model development lifecycle involves stages from problem definition to deployment and monitoring of the model.
1. Problem Definition: Identify the business problem and define objectives. Example: Predicting customer churn.
2. Data Collection: Gather relevant data from various sources. Example: Customer transaction records.
3. Data Preprocessing: Clean and prepare data for analysis. Example: Handling missing va...
Major expenditures in the profit and loss account include costs directly impacting profitability, such as COGS and operating expenses.
Cost of Goods Sold (COGS): Direct costs of producing goods sold, e.g., raw materials and labor.
Operating Expenses: Regular expenses for running the business, such as rent, utilities, and salaries.
Selling, General and Administrative Expenses (SG&A): Costs related to selling produ...
Major sources of revenue include sales, investments, and service fees, crucial for financial health and growth.
Sales Revenue: Income from selling goods or services, e.g., retail sales or product sales.
Service Revenue: Earnings from providing services, e.g., consulting or maintenance services.
Investment Income: Returns from investments, e.g., dividends, interest, or capital gains.
Licensing Revenue: Fees earned from...
Card fees are recorded as expenses in the financial statements, impacting net income and cash flow.
Card fees are typically recorded as an expense in the income statement under 'Bank Charges' or 'Merchant Fees'.
For example, if a business incurs a $100 card processing fee, it will debit 'Bank Charges' and credit 'Cash' or 'Accounts Payable'.
If the fees are significant, they may be tracked separately for better finan...
Discount revenue recognition involves recording revenue after accounting for discounts offered to customers.
Revenue is recognized when earned, even if discounts are applied later.
For example, if a product sells for $100 with a $10 discount, revenue recognized is $90.
The accounting entry would debit Cash/Accounts Receivable and credit Sales Revenue.
Discounts can be classified as sales discounts or trade discounts, ...
Random Forest is an ensemble method using bagging, while XGBoost uses boosting for improved accuracy and speed.
Random Forest builds multiple decision trees and merges them for better accuracy.
XGBoost optimizes the model by sequentially adding trees that correct errors of previous ones.
Random Forest is less prone to overfitting compared to individual decision trees.
XGBoost includes regularization techniques to prev...
Data imbalance can skew model performance; various techniques can help mitigate its effects.
Resampling techniques: Use oversampling (e.g., SMOTE) or undersampling to balance classes.
Use different evaluation metrics: Focus on precision, recall, or F1-score instead of accuracy.
Implement cost-sensitive learning: Assign higher misclassification costs to minority class errors.
Utilize ensemble methods: Techniques like R...
The ROC curve plots true positive rate against false positive rate to evaluate classifier performance.
X-axis: False Positive Rate (FPR) - the ratio of negative instances incorrectly classified as positive.
Y-axis: True Positive Rate (TPR) - the ratio of positive instances correctly classified as positive.
Example: A model with a TPR of 0.9 and FPR of 0.1 indicates high sensitivity but some false alarms.
The ROC curve...
I applied via Recruitment Consultant and was interviewed in Sep 2021. There were 4 interview rounds.
A dispute is a disagreement or argument between two or more parties over a particular issue.
Disputes can arise in various settings such as personal, professional, legal, or political.
They can be resolved through negotiation, mediation, arbitration, or litigation.
Examples of disputes include contract disputes, property disputes, employment disputes, and family disputes.
Fraud is an intentional act of deception, while a dispute is a disagreement between two parties.
Fraud involves intentional deception, while disputes arise from disagreements between parties.
Fraud is a criminal offense, while disputes can be resolved through negotiation or legal means.
Fraud involves misrepresentation or concealment of information, while disputes involve differences in interpretation or understanding.
Exa...
I appeared for an interview in Apr 2025, where I was asked the following questions.
GenAI trends focus on advancements in AI models, with ChatGPT and DeepSeek showcasing different applications and capabilities.
Increased adoption of conversational AI in customer service, exemplified by ChatGPT's integration into various platforms.
DeepSeek focuses on specialized knowledge retrieval, enhancing search capabilities in niche domains like legal or medical fields.
Emergence of hybrid models combining generativ...
Random Forest is an ensemble method using bagging, while XGBoost uses boosting for improved accuracy and speed.
Random Forest builds multiple decision trees and merges them for better accuracy.
XGBoost optimizes the model by sequentially adding trees that correct errors of previous ones.
Random Forest is less prone to overfitting compared to individual decision trees.
XGBoost includes regularization techniques to prevent o...
Classification predicts categories, while regression predicts continuous values in machine learning tasks.
Classification: Assigns labels to data points (e.g., spam vs. not spam).
Regression: Predicts numerical values (e.g., house prices based on features).
Classification algorithms include logistic regression, decision trees, and SVM.
Regression algorithms include linear regression, polynomial regression, and regression t...
Data imbalance can skew model performance; various techniques can help mitigate its effects.
Resampling techniques: Use oversampling (e.g., SMOTE) or undersampling to balance classes.
Use different evaluation metrics: Focus on precision, recall, or F1-score instead of accuracy.
Implement cost-sensitive learning: Assign higher misclassification costs to minority class errors.
Utilize ensemble methods: Techniques like Random...
The ROC curve plots true positive rate against false positive rate to evaluate classifier performance.
X-axis: False Positive Rate (FPR) - the ratio of negative instances incorrectly classified as positive.
Y-axis: True Positive Rate (TPR) - the ratio of positive instances correctly classified as positive.
Example: A model with a TPR of 0.9 and FPR of 0.1 indicates high sensitivity but some false alarms.
The ROC curve help...
I'm curious about the team's data science projects and how they align with the company's goals and vision.
What are the current data science projects the team is working on?
How does the data science team collaborate with other departments?
Can you share examples of how data-driven decisions have impacted the company?
What tools and technologies does the team primarily use?
How does the company support continuous learning a...
There were three coding questions.
I appeared for an interview in Jan 2025.
Estimating the number of American Express credit card users in India based on business acumen
Consider the market share of American Express in India compared to other credit card companies
Analyze the population size and income levels in India to estimate the potential number of credit card users
Look at the growth trends in the credit card industry in India to make a projection
Consider the marketing strategies and partne...
I applied via Company Website and was interviewed in Aug 2024. There were 3 interview rounds.
My work experience includes roles in financial services and consulting, providing me with relevant skills for Amex.
I have worked in financial services for 5+ years, including roles at a major bank and a fintech startup.
I have experience in consulting, where I worked on projects related to financial analysis and strategy development.
My resume highlights my expertise in financial modeling, data analysis, and client relat...
I changed to Amex for its reputation for innovation, strong company culture, and opportunities for growth.
Reputation for innovation in the financial industry
Strong company culture focused on employee development and diversity
Opportunities for career growth and advancement within the company
I utilized data management and analytics to track project progress, identify trends, and make data-driven decisions.
Implemented data management systems to organize and store project data efficiently
Utilized analytics tools to analyze project performance and identify areas for improvement
Generated reports and dashboards to track key metrics and communicate findings to stakeholders
Used data insights to make informed deci...
I used data analysis tools to identify trends, patterns, and correlations to inform strategic business decisions.
Utilized data visualization tools to present key findings to stakeholders
Conducted regression analysis to predict future outcomes based on historical data
Collaborated with cross-functional teams to gather and analyze data from multiple sources
I always approach disagreements with a focus on finding common ground and maintaining open communication.
Listen actively to understand the boss's perspective
Express my own perspective calmly and respectfully
Seek a compromise or solution that benefits both parties
Follow up to ensure the issue is fully resolved
I will approach different teams with requirements by understanding their unique needs, building relationships, and communicating effectively.
Understand the goals and priorities of each team to tailor requirements accordingly
Build relationships with key stakeholders to gain buy-in and support
Communicate clearly and regularly to ensure alignment and address any concerns
Collaborate with cross-functional teams to ensure al...
To find the top 3 horses from a set of 25 horses, we can sort them based on their performance or rankings.
Sort the horses based on their performance or rankings
Select the top 3 horses from the sorted list
Consider factors like speed, endurance, and previous race results
I approach conflicts at workplace by actively listening, understanding all perspectives, and finding a mutually beneficial solution.
Actively listen to all parties involved in the conflict
Seek to understand the root cause of the conflict
Encourage open communication and dialogue
Find a mutually beneficial solution that addresses the concerns of all parties
Mediate if necessary to facilitate resolution
The 3 pillars of data management are data quality, data governance, and data security.
Data quality ensures that data is accurate, complete, and reliable.
Data governance involves establishing policies and procedures for managing data assets.
Data security focuses on protecting data from unauthorized access or breaches.
I will approach disputes with my manager by actively listening, seeking common ground, and proposing solutions collaboratively.
Actively listen to my manager's perspective and concerns
Seek common ground and areas of agreement
Propose solutions collaboratively, considering both perspectives
Maintain professionalism and respect throughout the discussion
Seek feedback and learn from the experience to prevent future conflicts
I appeared for an interview in Jun 2025, where I was asked the following questions.
Unutilized credit card limits are recorded as a liability in accounting, reflecting available credit.
Unutilized credit card limits are not recorded as an asset or liability until used.
Example: If a credit card has a limit of $10,000 and $2,000 is used, the unutilized limit is $8,000.
In financial statements, only the utilized amount is reflected as a liability.
Monitoring unutilized limits helps in assessing credit avail...
The company is a leading innovator in technology solutions, focusing on enhancing user experience and operational efficiency.
Founded in 2005, the company has grown to serve over 1 million customers worldwide.
It specializes in software development, offering products like CRM systems and cloud solutions.
The company has received multiple awards for its commitment to sustainability and corporate social responsibility.
Recen...
I appeared for an interview before Jul 2024, where I was asked the following questions.
A detailed overview of my professional journey, highlighting key experiences and growth in leadership roles.
Started as a junior developer at XYZ Corp, where I learned the fundamentals of coding and teamwork.
Progressed to a mid-level developer role, leading small projects and mentoring interns, which sparked my interest in leadership.
Transitioned to a team lead position at ABC Inc., where I successfully managed a team o...
posted on 13 Jan 2025
Backpropagation is a method used in neural networks to update the weights by calculating the gradient of the loss function.
Backpropagation involves calculating the gradient of the loss function with respect to each weight in the network.
The gradient is then used to update the weights in the network in order to minimize the loss function.
This process is repeated iteratively until the network converges to a set of weight...
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The duration of American Express interview process can vary, but typically it takes about less than 2 weeks to complete.
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