Senior Associate - Digital Product Management

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. 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.

Join Team Amex and let's lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

How will you make an impact in this role?

Credit and Fraud Risk (CFR) Organization within American Express helps drive profitable business growth by reducing the credit & fraud risk and maintaining our customers’ confidence in the security of the products. It utilizes an array of tools and ever-evolving technology to detect and combat risk, minimize the disruption of good spending, and provide a world class customer experience. The Digital Risk Products & Data Strategy (RPDS) team within CFR is the backbone of all risk decisions and help in building the digital products for risk management across customer lifecycle i.e., Onboarding, Credit Underwriting, Authorizations, Collections across card & non card business globally.

As a part of this team, you’ll work with the industry’s best talent to create thoughtful and innovative digital risk products that advance our market share and the way we do business. If you are interested in building the innovative digital risk products, can translate our business needs into remarkable solutions and if this energizes you, you should consider career in Digital Risk Products team.

Key Responsibilities:

• As a Sr. Associate- Digital Product Management, one would translate needs of business owners/stakeholders and deliver on the Digital Product roadmap
• Envision and design of next generation of global consumer and commercial credit risk capabilities spanning limit management, customer management, authorizations and hardship and collections.
• Partner with Sr. Manager to transformation of risk systems, play a central role in detailing the blueprint, and work in close partnership with stakeholders in Credit and Fraud Risk, as well as external experts to arrive at the best design/solution and oversee its execution.
• Collaborate with cross-functional partners across Credit and Fraud Risk Management, Modeling and Marketing to brainstorm innovative solutions, capture requirements and benefits and drive a common future vision
• Determine the requirement readiness for development, initial level of E2E solution design, and rationalization and prioritization
• Drive enhancement of end-to-end customer facing processes that support core risk management decisions and create innovative solutions that are cost-efficient and scalable across the enterprise
• Work in close partnership with Risk Capabilities and AET to deploy next generation risk capabilities, designed for long-term adaptability
• Run ad hoc analytics in support of the capability development
• Collaborate with Compliance, Legal, Global Banking, and the AXP Privacy Office to deliver defect-free capabilities with the flexibility to meet evolving customer needs while satisfying all relevant regulatory requirements.

Minimum Qualifications:

• Deep and broad expertise in consumer or commercial risk management encompassing knowledge of processes and systems
• Ability to build strong relationships, operate effectively within large cross-functional teams, and influence business partners to drive transformational change
• Ability to communicate and interact effectively with internal and external stakeholders at all levels
• Demonstrated ability to think outside the box and design industry leading solutions
• Understanding of Scaled Agile (SAFe) principles and experience effectively managing a backlog of competing initiatives desirable
• Undergraduate degree and 1 year of relevant experience. Advanced degree in mathematics, statistics, engineering, computer science, econometrics, or another related field of study is preferred.
• Experience on working with SQL, Hive, Big Query preferred.
• Knowledge of credit authorization, credit bureau, decision science models or experience in another core credit risk management function and/ or knowledge of Amex data and risk technology platforms preferred

Salary Range: $60,000.00 to $110,000.00 annually + bonus + 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 our Colleague 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.

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