Job Overview

American Express is hiring an AI Engineer III for a full-time hybrid opportunity in Bengaluru, Karnataka. The position is part of the Enterprise Technology Services organization and focuses on developing modern artificial intelligence capabilities for enterprise technology and financial services.

This role is suited to an experienced software engineer who wants to work hands-on with LLM-powered applications and agentic AI systems. You will contribute to solutions that can understand context, retrieve information, interact with tools, and perform actions under appropriate controls. Because these systems operate in a financial services environment, reliability, security, safety, and auditability are important throughout the development and production lifecycle.

Key Responsibilities

• Contribute to the design, development, testing, and delivery of LLM-powered product features.
• Build and extend agentic AI workflows that reason over context, invoke tools, and perform actions with guidance from senior engineers.
• Help implement and maintain retrieval-augmented generation pipelines over financial data, with emphasis on correctness and safe operation.
• Contribute to shared AI infrastructure, including LLM services, orchestration components, evaluation capabilities, and monitoring tooling.
• Participate in production operations by monitoring AI systems, debugging issues, and improving reliability and performance.
• Work closely with product and design partners to understand customer needs and translate them into practical technical solutions.
• Apply modern software engineering practices to backend services, APIs, cloud infrastructure, and distributed systems.
• Use AI-assisted and agentic development tools for design, implementation, testing, debugging, and refactoring while maintaining production-quality standards.
• Work with senior engineers and cross-functional teams to improve the quality and reliability of AI-powered systems.

Required Skills

Strong software engineering fundamentals are important for this position. Candidates should be comfortable working with at least one backend programming language and have familiarity with APIs, cloud concepts, distributed systems, and modern development practices.

The role requires some hands-on experience with AI-powered features, LLM-based applications, or applied machine learning systems. Relevant experience can come from professional work or suitable projects. Familiarity with prompt engineering, RAG, LLM tooling, or agent frameworks is valuable.

Candidates should understand practical considerations for production AI, including reliability, security, structured data handling, validation, monitoring, and responsible use of autonomous capabilities.

Required Technologies

The core technology environment includes:

• Python
• Go
• TypeScript
• Java
• JavaScript
• AWS
• Google Cloud Platform (GCP)
• Kubernetes
• REST
• gRPC
• Kafka
• Commercial LLMs
• Open-source LLMs
• Agentic AI
• Generative AI
• Retrieval-Augmented Generation (RAG)
• Agent orchestration
• Vector storage
• Evaluation tooling
• Schema validation
• Structured data handling
• AI-assisted development tools

Experience with AI-assisted and agentic development workflows is relevant across software design, implementation, testing, debugging, and refactoring.

Education

The job posting lists a Bachelor's Degree as the required degree level. The position is intended for professionals with a software engineering background and practical technical experience.

Experience

Candidates need 4+ years of professional software engineering experience. The role also seeks hands-on experience building or contributing to AI-powered features, LLM applications, or applied machine learning systems. This experience may be professional or project-based.

Exposure to fintech or another regulated environment can be useful. Internship or early-career experience in these areas is specifically mentioned as relevant. Open-source contributions, hackathons, and side projects related to AI or developer tooling can also strengthen an application.

Preferred Skills

Additional strengths include familiarity with LLM tooling, prompt engineering, RAG, agent frameworks, vector storage, AI evaluation, and AI-assisted development. Experience with cloud platforms, APIs, distributed systems, and production software engineering is also valuable.

The role favors engineers who are interested in agentic AI, autonomy, and responsible AI-assisted development. Candidates should be willing to learn, accept feedback, and increase their technical ownership over time.

Soft Skills

Strong collaboration and communication skills are important because the role involves regular interaction with product and design partners. Candidates should be comfortable understanding customer problems, discussing technical options, and working across functions.

A customer-focused mindset is especially useful. Engineers are expected to connect technical decisions with real-world customer outcomes rather than concentrating only on implementation.

Curiosity, adaptability, problem-solving ability, and a willingness to learn emerging technologies are also important. The ability to work through ambiguity and turn an unclear problem into a reliable technical solution will help candidates succeed.

Benefits of Working in this Role

American Express describes benefits that support employee well-being and professional development, subject to applicable location and role conditions. These include competitive base salaries, bonus incentives, financial well-being and retirement support, and medical, dental, vision, life insurance, and disability benefits depending on location.

The company also describes flexible working arrangements, paid parental leave depending on location, access to eligible on-site wellness centers, confidential counseling through the Healthy Minds program, and career development and training opportunities.

For an AI engineer, this role provides exposure to LLMs, agentic AI, RAG, cloud infrastructure, distributed systems, and AI-assisted engineering practices within a financial services technology environment.

Work Mode

This is a hybrid position. The job posting identifies the role as Bengaluru-based and lists the work location as Bengaluru Urban, Karnataka, India.

Location

The position is based at the American Express Bengaluru workplace in Bengaluru Urban, Karnataka, India.

Who Should Apply

This opportunity is suitable for software engineers with at least four years of professional experience who have started working with AI-powered applications, LLMs, or applied machine learning. It is particularly relevant to developers who want to combine established software engineering skills with modern agentic AI development.

Applicants should be able to demonstrate real examples of building software, working with APIs or cloud technologies, and contributing to AI-related projects. Candidates with fintech, regulated-industry, open-source, hackathon, or AI developer-tooling experience can highlight those areas in their applications.

Career Growth

The role offers exposure to an evolving area of software engineering that combines backend development with LLMs, RAG, agent orchestration, cloud infrastructure, and AI-assisted development. Engineers can deepen their production AI engineering skills while gaining practical experience with reliability, monitoring, security, and responsible deployment.

Working with product and design partners can also strengthen customer-focused engineering and cross-functional collaboration skills. The role is well suited to professionals who want to expand their technical ownership as they gain experience with enterprise AI systems.

Application Advice

When applying, clearly present your professional software engineering experience and identify the AI projects or production features you have contributed to. Highlight hands-on work with Python, Java, JavaScript, Go, or TypeScript, together with REST, gRPC, cloud platforms, Kubernetes, Kafka, or related technologies where applicable.

If you have built RAG applications, agentic workflows, LLM integrations, prompt engineering solutions, vector-based retrieval systems, or AI-assisted development workflows, explain what you built and your contribution. Project-based experience is relevant according to the posting, so suitable personal projects, hackathons, and open-source contributions should also be considered.

Use specific examples to demonstrate problem-solving, customer focus, collaboration, learning ability, and ownership. Avoid claiming experience with technologies you have not actually used.

The application deadline listed for this opportunity is September 9, 2026. Review the official posting carefully and ensure that your application accurately represents your verified qualifications and experience.