Senior Manager-Credit Limit Strategy

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.

How will you make an impact in this role?

The Lending, Analytics, and Beyond the Card Products Team within U.S. Consumer Services manages a suite of lending and non-card products and features, including Pay Over Time, Plan It, the Credit Limit Program, My Credit Guide, Personal Loans, and Insurance. The team also leads pricing strategy development and drives data and analytics capabilities for the U.S. Consumer business. Our focus is on turning membership into a distinctive competitive advantage by deepening Card Member loyalty and increasing share of revenue wallet.

The Senior Manager, Credit Limit Strategy, will be responsible for accelerating premium lending growth by ensuring we meet evolving customer credit limit needs. This individual will drive cross-functional collaboration across Risk, Finance, Marketing, Analytics, Card Product, Legal, and Compliance teams to scale the program responsibly and profitably, while delivering best-in-class customer experiences.

Key Responsibilities:

• Contribute to the strategic roadmap and execution of the Credit Limit Program to drive sustainable lending growth across proprietary and co-brand portfolios.
• Identify and optimize opportunities in initial line assignment and line increase strategies leveraging data-driven insights.
• Lead day-to-day product management including business case development, test design, issue research, etc. to ensure seamless delivery of program initiatives.
• Partner cross-functionally to increase awareness and adoption of Credit Limit features across multiple channels.
• Monitor industry trends and evolving customer needs to inform ongoing strategy.
• Ensure operational discipline and control rigor across all initiatives.

Preferred Qualifications

• Strong understanding in lending economics and portfolio performance drivers.
• Track record of leveraging data and customer insights to inform strategy.
• Proven ability to independently drive initiatives from concept to execution.
• Recognized for a proactive, solutions-oriented approach and a track record of delivering results in dynamic, complex environment
• Strong communication and storytelling skills with the ability to influence stakeholders across functions.

Salary Range: $90,000.00 to $165,000.00 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.

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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