Director-Digital Product Management

At American Express, our culture is built on a 175-year history of innovation, sharedvaluesand Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. Amex’s Risk Management capabilities are at the core of delivering the superior customer experience while managing credit and fraud losses at lowest levels in the industry. With our mix of assets like closed-loop data, machine learning models, underwriting techniques on a modern technology stack we are re-imagining how payment experiences & risk management converge in a more modern, digital and connected world.

To deliver on the vision, the Risk Products & Data Strategy (RPDS) team is driving the roadmap for modernizing risk platforms while enabling new business capabilities. Modernizing the Authorizations platform is a key strategic imperative to uplift an aging infrastructure and provide new capabilities to enable rapid innovation and growth.This role, Director of Digital Product Management will drive the vision, strategy & execution for modernization of Fraud risk decisions and capabilities. The role involves responsibility for product Management and development lifecycle for Fraud Risk journeys including Digital Charge Verification, Authentication, Authorization, concerns management etc

This role involves leading a team of product management & development professionals and working with Credit & Fraud Risk strategy teams and Engineering leaders to convert the product vision into a well-managed development roadmap with a set release cycle. This is a Risk Strategy & technology facing role defining software product vision, roadmaps, strategy of the product, capability tradeoffs, ensuring flexible and global system/capability design, grooming user stories, prioritizing work for scrum teams using program increments process and cadence.

The successful individual ensures that the new product meets the evolving needs of the enterprise through continuous innovation, evaluation and deployment.This role requires strong organizational, technical, creative problem-solving and stakeholder management skills and can influence across multiple levels of leadership.This person must work well in a dynamic, complex environment and under deadline pressures and be able to coordinate the efforts of a large Agile team (stakeholders, designers, developers, Data Stewards, and analytics) to deploy the new platform/product across global market set.

This is an exciting and critical role that will help drive the future roadmap for enabling best in class Fraud risk decisions at American Express.You’ll work among high performing design, product and engineering teams. We are looking for someone who is deeply inquisitive, enjoys creative problem solving, has a strong attention to details, has an entrepreneurial background and a maniacal focus to driving results, platform performance and high availability.

Key Responsibilities

• Drive vision and development of new products, features, and capabilities based on in depth knowledge of customer, business, and technology.
• Integrate business needs, usability studies and market insights into actionable product requirements for Fraud risk capabilities e.g.- Authorizations, Authentication, etc.
• Understand business objectives and customer needs, identify creative ways to leverage capabilities, and develop new solutions to meet those needs.
• Own Discovery where options are assessed for product, features opportunities and problems. Form hypothesis, define outcomes and key results, and define and hone discovery processes to enable product teams to successfully achieve solid discovery outcomes.
• Own and manage the product backlog which includes creating and reviewing Initiatives, Capabilities, Features and User Stories with Acceptance Criteria.
• Own key stakeholder relationships across marketing teams.
• Manage, coach and grow a team of product owners and product managers who build capabilities powering the experience.
• Support and enable technical platform strategies for scale across products and markets.
• Partner with Solution Managers to achieve solutions that meet current and future needs.
• Brainstorm and negotiate effectively with various stakeholders to continuously define feature priority and then prioritize engineering work and balancing the requirements of customers and stakeholders.
• Manage product life cycle to tactical execution.
• Ability to manage and negotiate across partners, such as Product, Technology, Marketing, Servicing, Risk, Legal, Compliance and more to define and pivot product needs
• Work closely with Technology as key partner interfacing back with business teams to oversee and ensure best-in-class delivery and customer outcomes
• Monitor product data and customer feedback post launch and partner on continuous strategic growth strategy.
• Lead Agile Release Train consisting of multiple product and technical teams across multiple platforms but prioritizing initiative backlog and managing dependencies and owning goals and outcomes.

Here is what we are looking for:

• Leadership: Strong people management skills and proven ability to lead and develop a winning product team; Creates a culture that engages strategy/business partners through a collaborative approach to make fact based, data-driven decisions.
• Nurturer of talent: To bring out the best in individuals and team.
• Analytical Skills: Able to structure and process qualitative or quantitative data and draw insightful conclusions. Demonstrated ability to analyze complex data and processes to drive process improvements and creative solutions (Critical).
• Flexibility/Adaptability: Not thrown off by frequently changing priorities and conditions; copes effectively with complexity and change. Deals with ambiguity - to take the unknown into action. Navigate self and team to create winning outcomes.
• Drive & Persistence: Proactive & self-driven; Resourceful, has grit, and a positive “can do” attitude. Possesses a strong willingness to work hard and efficiently to get the job done.
• Collaboration & Influence: Ability to successfully influence and bring together internal and external stakeholders to achieve shared goals.
• Communication Skills: Communicates information, ideas, and concepts clearly.
• Attention to Detail: Does not let important details slip through the cracks or derail a project.
• Lots of questions: Curious, loves learning. Not willing to accept surface level answers. Challenges the status quo - and believes things can always be improved.
• Product Mindset: Proven ability to build, run and prioritize a product backlog and roadmap (Critical).

Qualifications:

The successful candidate will have:

• 10+ years of experience in product role, leading high performing agile teams in creating software products in risk management or similar domains.
• Understanding of Risk capabilities and/or Payments/Authorization domains is a must
• Prior experience, building and scaling new platforms. Ability to envision the larger picture and contribute to functional and capability design of the platform.
• Comfort with open stack, APIs, AI/ML, Data, cloud, Automation and high availability.
• Self-motivated and able to act with a high level of independence.
• A good balance of technical knowledge and business acumen with an ability understand and apply scalable solutions that are product agnostic.
• Ability to manage fast-paced environment, frequent changing needs, and limited resources.
• The ability to set a high bar for your team and empower them to achieve great results
• A “driver” personality - constantly pushing towards clarity and delivery while balancing the need for great collaboration.
• Enthusiasm and passion for great platforms, products and services and an ability to articulate platform functionality; ·
• User-centricity - examples from your past of product challenges that you powered through because you were unwilling to make your problems your users’ problems.
• Understanding of the evolving highly competitive business environment and how to create a flexible and scalable platform that meets regulatory and security requirements.·
• Excellent communication skills with the ability to engage, influence and inspire partners to drive collaboration and alignment.
• High degree of organization, individual initiative and personal accountability.
• Degree in computer science, engineering or a MBA require

Salary Range: $150,000.00 to $225,000.00 annually + bonus + equity (if applicable) + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

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
• 6% Company Match on retirement savings plan
• Free financial coaching and financial well-being support
• Comprehensive medical, dental, vision, life insurance, and disability benefits
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
• 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

For a full list of Team Amex benefits, visit ourColleague Benefits Site.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers - Click to view the “Know Your Rights” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window:https://www.eeoc.gov/poster

Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions