DescriptionYou 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.As marketers at one of the most iconic brands in the world, we play a major role in building authentic relationships with customers who impact life and business around the world. Here, creativity and inspired storytelling combine with powerful data-based marketing and hyper-personalized digital communication to create a genuine human connection that drives business results. As a part of our diverse community of marketers, you can have a breadth of different marketing experiences and do virtually anything from connecting small businesses to new customers to uncovering insights that inspire the future of payments. Create a dynamic career while doing work that matters for people and businesses everywhere. Find your place in marketing on #TeamAmex.American Express Global Commercial Services (GCS) has a stated ambition to become the leading payments and working capital provider for Small and Medium Enterprise (SME) customers globally. This includes ensuring each customer has access to business-sized purchase capacity, flexible payment options, meaningful rewards and the powerful backing of American Express. The US Card Lending Team supports this objective by developing compelling products, services and customer engagement strategies to meet small business owners’ evolving buying and paying needs.We are hiring a Director of Product Management for the Pay Over Time Portfolio. This portfolio is GCS’ largest lending program and a significant revenue driver for the U.S. SME business. This individual will lead a team of 3 to help drive the continued convergence of Spend and Lend, own relationships across the enterprise, and be responsible for contributing to the short- and long-term profitability of the Pay Over Time portfolio. Specific responsibilities will include:
Manage the P&L for our Pay Over Time portfolio
Drive profitable and sustainable awareness, adoption and engagement on our Charge portfolios
Define the next evolution of the Pay Over Time charge to lend convergence to ensure that the portfolio is equipped to thrive today and in the future
Leverage segmentation, analysis, and marketing expertise and insights from partner teams to tailor solutions to customer needs, including the oversight of new features and capabilities
Working across Marketing,Risk, Pricing, and Treatments partner teams to increase accounts, drive customer engagement, and responsibly manage growth
Developing external listening posts to ensure voice of customer & voice of competition monitoring
Identifying, evaluating and launching product-specific & portfolio-wide enhancements
Deepening relationships and collaboration with key partner teams for both card and beyond card lending strategie
Ensuring a strong control and compliance environment
The candidate should have a proven history in product management, a customer-centric approach to design, knowledge of the small business segment, and a fluency in Lending economics and P&L management. Success will require a collaborative leader with the ability to work in a fast paced environment leading multiple funded initiatives.Minimum Qualifications:
Strong customer mindset and behavior and proven experience translating customer insights into action
High proficiency in lending card economics
Prior experience leading teams and driving strong employee engagement with a proven track-record of developing talent
Superior relationship management skills and demonstrated experience in ability to engage and collaborate with business partners and senior leaders
Excellent project management skills with the capability to balance multiple stakeholders and workstreams in parallel
Thoughtful, concise communicator comfortable communicating directly with leadership and partner teamsand with a proven ability to engage, influence, and inspire partners and stakeholders to drive collaboration and alignment
Creative thinker with the ability to frame forward-thinking strategies rooted in data and action-oriented recommendations
Preferred Qualifications:
Prior small business financing experience preferred.
We encourage applicants that feel they may be a great fit to apply, even if they do not meet 100% of the criteria mentioned above.QualificationsSalary Range: $145,000.00 to $230,000.00 annually bonus equity (if applicable) benefitsThe 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 our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
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.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.US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.Job: ProductPrimary Location: US-New York-New YorkOther Locations: US-New York-Amex - for internal use onlySchedule Full-timeReq ID: 24004047
