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?

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 world class customer experience. The Digital Risk Products & Data Strategy (RPDS) team within CFR is the backbone of all risk decisions and helps in building the digital products for risk management across customer lifecycles 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 platform products that enable our customer facing Risk Products. If you are interested in building innovative digital risk Platform products, it can translate our business needs into remarkable solutions and if this energizes you, you should consider career in Digital Risk Platform Products team.

Key Responsibilities:

• As an Associate - Digital Product Management, one would translate needs of business owners/stakeholders and deliver on the Digital Platform Product roadmap
• Assume responsibilities as Product Owner / Product Manager for a Business Rules Management System (BRMS) Platform
• Envision and design of the next generation of Platform Product that would encompass business logic management for global consumer and commercial credit risk capabilities spanning limit management, customer management, authorizations and hardship and collections.
• Partner with Manager / Director to transform 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 Platform Technology Teams, cross-functional Partners across Credit and Fraud Risk Management, 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 user facing processes that support core Platform management decisions and create innovative solutions that are cost-efficient and scalable across Enterprise
• Work in close partnership with Risk Capabilities and AET to deploy next generation risk capabilities, designed for long-term adaptability
• Own Platform Feature Management including, but not limited to, feature / user story creation, Sprint Planning, Sprint Review, Retrospectives.
• 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:

• Experience and deep interest building robust, scalable, user-friendly Enterprise software 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 working with SQL, Hive, Big Query preferred.
• Knowledge of Credit Risk management function and 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.