Job Details

Description

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

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

American Express Global Commercial Services (GCS) is the Global leader in the Corporate Payments Solutions space and continues to be an exciting and fast-growing business. Within GCS, the Commercial Lending team is focused on empowering businesses to say yes to more opportunity with a suite of products aimed at meeting customers’ cash flow management needs. Businesses require working capital to fund their operations, which Amex is increasingly providing through its Charge Cards with embedded Pay Over Time, Proprietary and Co-branded Credit Cards, and Business Line of Credit. Central to all of these products’ success, is a customer’s capacity to make purchases and borrow with interest.

The GCS Product Capacity Strategy team will take a customer-led approach to develop solutions to enable spend and lend capacity for our small business products, and the customer experiences they share with corporate card limits. Within this team, the Spend Capacity team will specifically focus on defining and delivering strategies to give customers more clarity and informed confidence around spend capacity, as well as introduce new capabilities to profitably unlock incremental spend capacity.

Key Responsibilities:

• Shape spend capacity vision and strategy to enable business-sized spend capacity on all SBS cards, including defining segments / profit pools representing biggest opportunities

• Lead product and program management for GCS spend capacity strategies – encompassing pattern-based authorizations frameworks (NPSL and EBP), assigned spend limits and other enablement strategies (Auto-Pay, Check Spending Power, etc)

• Partner closely with Credit Risk and GCS distribution teams (Marketing/SME) to define revenue and efficiency targets of spend enablement strategies, backed by an evolving pipeline of prioritized tactics

• Lead go-to-market and channel enablement for Small Business capacity strategies, coordinating closely with parallel workstreams within Corporate Product Management

• Design new digital spend experiences, journeys and positioning that give customers informed confidence on spend capacity and available tools alongside lend solutions; collaborate across Card Product Management teams (SBS, Consumer, Corporate) to build journeys for scale

• Track revenue and efficiency performance of spend tactics to inform strategy pivots that unlock efficient billings growth

• Define the roadmap for new investments associated with spend capacity and journeys, coordinating and aligning priorities across key GCS and enterprise stakeholders (Consumer, Corporate, CFR, Marketing, etc)

Minimum Qualifications:

• Demonstrated ability to manage a set of product features, including establishing strategic role, informing Risk and Marketing strategies, measuring usage and performance, and recommending enhancements to better meet customer needs

• Experience designing and launching digital card journeys leverageable across Enterprise card experiences

• Command of digital engagement metrics, and demonstrated proactive solutioning to enhance journeys

• A customer-first mindset with knowledge of small business customer needs

• Financial acumen and P&L management skills, with ability to innovate and drive results in a complex, matrixed environment

• A collaborative leader with strong cross-functional leadership and influence management skills across the enterprise with a diverse set of partners

• Strong communication skills both written and verbal, and exceptional executive presence and comfort in front of audiences of all levels

• Bachelor's degree

• NY-based position (hybrid)

Preferred Qualifications:

• Experience in Digital Product Management and Design roles

• Understanding of the economics of GCS Card Products and supporting spend exposure management functions (authorizations, underwriting, authorizations)

Qualifications

Salary Range: $145,000.00 to $230,000.00 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.

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

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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Job: Product

Primary Location: US-New York-New York

Schedule Full-time

Req ID: 25009035