Director, Product & Lending Excellence, International Card Services

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 International Card Services (ICS) is a leading issuer and provider of Consumer and Commercial products and services across many countries around the world.  The ICS Lending Center of Excellence (COE) team vision is to ensure each customer has access to flexible payment options, relevant rewards, and the powerful backing of American Express.

How will you make an impact in this role?

As we continue growing our customer base through innovation, we expect increased processes to implement, and more complexities to handle. Critical to this is our ability to ensure new or existing products operate seamlessly, with particular emphasis on proposed Pricing, Product, Line, or credit risk changes. We are seeking a colleague that can deliver comprehensive business self-testing and enhanced product controls, critical to the day-to-day operations of the Lending business.

This role will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies to:

• Provide strategic direction to deliver effective validation, identification, quantification, communication and management of potential risks to the ICS business. Engaging and collaborating with other colleagues across other business units will be key to your success.
• Work with product, risk, and marketing teams to enable long-term profitable growth: You will partner and collaborate with colleagues across international markets to identify and evaluate growth opportunities and launch product-specific & portfolio-wide enhancements.
• Drive Excellence across Product actions to grow our business: Design, lead, and operate an effective Product Committee that interrogates change proposals across product design, product economics, and credit risk. Delivering outstanding products for our customers and shareholders calls for operational excellence in everything we do.
• Actionable insights: Deliver executive insights that summarize self-testing outcomes, offering senior leadership with insights into how effective our controls are, and surface opportunities to further strengthen our processes.
• Communicate, build, and build relationships: Demonstrate a passion for building strong working relationships across regional and international partners (product, marketing, credit risk, insights, servicing, operational risk, technology, GCO, LOBCO) to deliver lending excellence. You’re able to articulate to colleagues at all levels the strategic direction and operational health of the business.
• Lead with a customer first approach, and one that is grounded with the external environment: You will have international experience, a customer-first approach, and do things the right way to help the international business excel.
• Develop and grow talent: Support the growth and development of your team and colleagues across the organization.

Minimum Qualifications:

• 5+ years of relevant work experience in a high-growth product or risk management team.
• Strong analytical skills with the ability to sift through data, find opportunities and update senior leadership teams as required.
• Has shown to be a thoughtful and inspiring leader that can work effectively across different teams.
• Experience of navigating technology platforms and systems to improve customer experiences.

Preferred Qualifications:

• A good understanding of the international product landscape across lending, charge, and loans.
• Able to forecast, plan, lead and implement innovative solutions that generate result.

Salary Range: $130,000.00 to $205,000.00 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.

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.

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