American Express

Senior Manager - U.S. Consumer New Accounts

American Express • $120K — $150K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Advanced Degree in a quantitative field (Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science)
  • Strong strategic thought leadership focus on innovation
  • Self-motivated, results-driven with an external perspective
  • Excellent written and oral communication skills
  • Collaborative and capable of working in a dynamic environment
  • Proficient in project management with multitasking capabilities
  • Expertise in underwriting or credit risk management
  • Deep understanding of credit card economics and payment industries
  • Awareness of latest technology and trends in credit and lending

Responsibilities

  • Develop personalized strategies for New Account Acquisition and customer experience
  • Leverage data insights to inform strategic decisions
  • Enhance Bank-Based Underwriting strategies for optimal growth
  • Monitor external marketplace developments for industry best practices
  • Collaborate with marketing and product teams for consistent personalization
  • Manage partnerships to enable enterprise-wide innovations

Benefits

  • Opportunity to work in a global function impacting operational excellence
  • Engagement with cutting-edge technology and innovative practices
  • Collaboration with diverse teams across the organization
  • Focus on professional growth and development in a dynamic field
  • Participation in shaping the customer acquisition journey in the payments industry
Full Job Description
Job Description

Credit and Fraud Risk (CFR) is a global function, responsible for making the right credit and fraud risk decisions that uphold operational excellence, drive growth, and accelerate innovation across American Express. CFR combines technology and infrastructure with new computing techniques to make better risk decisions and provide real-time customer communications and fraud servicing.

Responsibilities

This position is on the Global Consumer Services Credit Risk Strategy team and reports to the Director, US CPS New Accounts - Acquisition Journey.
  • Develop New Account Acquisition Personalization strategies (Project Gambit) and overall journey customer experience, with the goal of driving profitable growth and improve investment efficiency.
  • Drive data insights (e.g., impact to acquisition quality, model and the portfolio) to inform strategy decisions.
  • Enhance and monitor Bank-Based Underwriting (BBUW) strategies to drive profitable growth while ensuring industry-best credit results in New Account acquisitions.
  • Track developments of acquisition journey in the external marketplace to understand industry best practices.
  • Influence Marketing and Product partner strategies to ensure personalization decision consistency, enhance top of the funnel traffic and drive premium applicant quality.
  • Manage partnership with Marketing, Product, Risk Products and Data Strategy, Decision Science, New Accounts Servicing, Fraud, CBO teams to enable enterprise-wide innovations.


Qualifications

  • Advanced Degree in a quantitative field such as Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science.
  • Outstanding strategic thought leadership with a focus on innovation.
  • Self-motivated, results-driven, intellectually curious and leads with external perspective.
  • Clear, effective written and oral communication skills.
  • Strong collaborative/interpersonal skills and ability to work in a dynamic, constantly evolving environment with strong attention to detail.
  • Project management skills with demonstrated proficiency in leading multiple projects simultaneously.
  • Expertise in underwriting or another core credit risk management function.
  • Deep understanding of credit card economics and the payments industry.
  • Externally focused and aware of the latest technology and market trends in payment, credit trends, credit behavior and external development in the lending industry.

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

The below 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.

About American Express

Amex provides industrial services to the coatings and linings sector, providing support for commercial, industrial, and maritime projects such as petrochemical, power, and water treatment industries. They offer painting services for steel structures, storage tank linings and coatings, pipelines, floors, and marine vessels such as ships, tugboats, and barges.

American Express Careers

Join the vibrant team at American Express, a global leader in financial services, and be part of a company that values innovation, leadership, and diversity. At American Express, we offer more than just job opportunities; we provide a platform for professional growth and a chance to be part of a culture that is committed to excellence and inclusive growth. Work You’ll Do At American Express, we are dedicated to helping our employees reach their full potential. With a variety of career paths available in areas such as technology, marketing, finance, and customer service, American Express is the perfect place to advance your career. Our team is composed of highly skilled professionals who thrive on innovation and collaboration. Join our team and contribute to a company known for its prestigious history of leadership in the credit card industry. Engage in meaningful work that makes a real impact on our global scale business operations. American Express Leadership and Development Programs We believe in nurturing the leadership skills of our employees with extensive training programs and leadership development opportunities. Our commitment to professional growth is evident in our comprehensive benefits package that supports both personal and professional development. Internship Opportunities Start your career with an internship at American Express and gain valuable industry experience. Our internships offer a chance to develop skills, work on challenging projects, and learn from leaders in the industry. Interns at American Express are considered integral members of the team and are given responsibilities that provide a real insight into their future career paths. Diversity and Inclusion At American Express, diversity and inclusion are at the core of our company culture. We are committed to building a diverse workforce and inclusive environment where every employee feels valued and inspired. We offer diversity training programs that empower our employees to thrive and lead in a global marketplace. Networking and Innovation Our employees enjoy unparalleled opportunities for networking and personal growth through our global connections and innovative projects. American Express encourages a culture of innovation that helps propel our company and your career forward. Career Benefits and Growth American Express is dedicated to the growth of its employees. We offer competitive benefits, including health, retirement plans, and family leave, ensuring that our team members have the support they need to succeed both at work and in their personal lives. Join Our Team Explore the job opportunities and open positions at American Express. We are continuously hiring talented individuals who are passionate about their careers and interested in working for a company that offers a dynamic and supportive environment. Stay Connected Keep up to date with the latest from American Express Careers by following our career blog and signing up for job alert emails. Tailor your subscription to receive updates that match your skills and interests. Discover the exciting and rewarding career opportunities that await at American Express. SEARCH AMERICAN EXPRESS JOBS Whether you are looking for a full-time position, an internship, or a leadership opportunity, American Express offers a path to a rewarding career. Join us and make a difference with your passion, creativity, and drive.
Learn more about American Express
Size
64,000 employees
Market Cap
$108.1 billion
Industry
Net Income
$3.1 billion
Founded
1850
5 Year Trend
+3.5%
Revenue
$37 billion
NASDAQ

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