Senior Associate-Digital Product Management
About The Position
The Credit and Fraud Risk (CFR) Organization within American Express helps drive profitable business growth by reducing credit and fraud risk and maintaining customer confidence in product security. It uses various tools and evolving technology to detect and combat risk, minimize disruption to 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 assists in building digital software products for risk management across the customer lifecycle, including Onboarding, Credit Underwriting, Authorizations, and Collections for card and non-card businesses globally. As part of this team, you will collaborate with top industry talent to create innovative risk products that enhance market share and business practices. If you are interested in building innovative digital risk products and can translate business needs into remarkable solutions, a career in the Risk Products team may be for you.
Requirements
- Ability to drive project deliverables and achieve business results in a collaborative environment.
- Strong communication, interpersonal, analytical, and problem-solving skills.
- Ability to learn quickly and independently navigate complex and unstructured initiatives.
- Customer-centered product development experience working with global business and technology partners.
- Working knowledge of APIs, JSON, API testing, execution models, logs, system integrations, and troubleshooting techniques.
- Ability to understand business/rule logic, technical architecture, data flows, and system dependencies.
- Knowledge of SQL, Java, MS PowerPoint, and Excel.
- Bachelor’s degree in a relevant field.
- 1–2 years of experience in product development or a related field.
- Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
Nice To Haves
- Knowledge of Python, SAS, Hive, Yellowbrick, Postman, or similar tools is a plus.
- Experience with prototyping, iterative development, and Scaled Agile Framework (SAFe) is a plus.
- Master’s degree is a plus.
Responsibilities
- Implement business logic and rules to address risk management needs.
- Collaborate with Risk Strategy, Technology, and Product teams to build and enhance products.
- Drive global, reusable, and configurable design, rule authoring, testing, integration, and product launches using low-code tools.
- Work within a Scrum team to design, develop, test, and implement business logic.
- Develop strong understanding of the API landscape, architecture, execution models, rule logic, data flows, integrations, and system dependencies.
- Troubleshoot execution and production issues using logs, complex JSON payloads, API request/response data, and execution outputs to identify root causes and drive resolution.
- Understand API capabilities and boundaries, including data storage, performance, resiliency, error handling, monitoring, dependencies, and SLAs.
- Partner with Technology teams to resolve defects, improve production stability, and enhance API and rule execution.
- Identify and implement product and process simplification opportunities.
- Deliver prioritized functional and non-functional roadmap commitments on time and with high quality.
- Identify and implement AI-driven solutions to reduce manual effort, accelerate troubleshooting, and improve time to market.
Benefits
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Senior
