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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.

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Job Overview:

This is an integral role in the US Consumer Credit Risk team. You will be responsible for managing the line increase strategy for the US Consumer credit card base.

Line is a key determinant of card lending growth and profitability and a primary lever to drive existing customer engagement and experience. You will carefully balance growth with contingent liability control to ensure long term profitability of the portfolio and drive share of premium Lending in partnership with cross functional teams. Line Management is a mature science with complex algorithms, models and rules.

You ensure perfect execution while looking for opportunities to transform the line function.

The position will report into the Director, Line Management and will need to work with various business partners in Product, Marketing, Decision sciences, Capabilities, Risk and Banking. To succeed in the role, the incumbent needs to have a very good blend of analytical skills, process expertise and partner management skills.

Job Responsibilities:

• Support the US Consumer line increase function – develop & deploy strategies for the US consumer credit card base
• Enhance the economic logic, optimization framework and business rules to maximize returns
• Devise new strategies to drive efficient card lending growth while managing contingent liability and long-term volatility
• Transform line management programs through next generation capabilities and process enhancements to gain share of premium lending and provide outstanding customer experience and engagement
• Drive operational excellence and ensure full compliance with regulatory requirements

Minimum Qualifications:

• Advanced degree in science, engineering or management with 2 years of significant professional experience
• Strong risk management expertise with proven track record of driving winning strategies in collaboration with a diverse set of business partners
• Demonstrated ability to drive transformation in complex, and matured processes
• Proficiency in conducting/leading heavily analytical projects
• Strong project management skills and demonstrated ability to manage multiple business priorities
• Ability to build strong relationships, communicate effectively and lead through influence
• Demonstrated ability to quickly adapt to changing circumstances with a will to win
• Experience with Amex risk systems and infrastructure is a big plus
• Working knowledge of Python & SQL preferred

Salary Range: $80,000.00 to $155,000.00 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.

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 “EEO is the Law” poster and supplement 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.

Considerations for sponsorship:

Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.