Job Description

The Risk Products & Data Strategy (RPDS) group is part of the Credit and Fraud Risk organization. RPDS defines and drives the transformation and modernization of risk management capabilities across the company's technology platforms.

About The Role

This critical team is responsible for managing enterprise risks through the customer lifecycle and across all our global products. We develop industry-first data capabilities, build profitable decision-making frameworks, create machine learning-powered predictive models, and improve customer servicing strategies. This team has delivered industry-leading results year after year while enabling profitable growth and delivering a best-in-class customer experience.

The Associate, Product Management, will support the development and delivery of product capabilities within the Global Risk Products & Data Strategy (RPDS) team, with a focus on Next Generation Underwriting and Risk Decisioning.

Reporting to the Manager of Product Management, the Associate will partner with Credit Risk, Fraud Risk, Product, Technology, Data, Marketing, and other cross-functional teams to translate business needs into product requirements and support execution across the product development lifecycle.

The role will support product roadmap development, Program Increment (PI) planning and prioritization, requirements definition and grooming, stakeholder coordination, and delivery tracking.

Responsibilities

Supports the development and implementation of credit and fraud risk capabilities across consumer and commercial portfolios.
Partners with Risk, Product, Technology, Data, Marketing, and other stakeholders to understand business needs and translate them into clear product requirements and capabilities.
Contributes to product vision and roadmap development through business analysis, stakeholder input, and identification of opportunities and dependencies.
Develops and maintains product requirements, user stories, acceptance criteria, process flows, and other documentation required to support delivery.
Supports PI planning and prioritization by coordinating requirements grooming, dependencies, stakeholder inputs, and readiness activities.
Partners with cross-functional teams throughout the product lifecycle to clarify requirements, resolve issues, and support successful implementation.
Tracks milestones, dependencies, risks, issues, and decisions and provides clear and timely updates to stakeholders.
Conducts analysis and prepares product documentation, presentations, status updates, and decision materials to support product and business decisions.
Identifies opportunities to simplify processes and continuously improve product management and delivery practices.

HIGH PERFORMANCE BEHAVIORS

Strong analytical and structured problem-solving skills.
Clear and effective written and verbal communication.
Ability to collaborate and build relationships across cross-functional teams.
Strong ownership, attention to detail, and follow-through.
Proactively identifies and escalates risks, dependencies, and issues.
Uses data and facts to support recommendations and decisions.
Demonstrates customer focus, curiosity, and a growth mindset.
Constructively challenges existing processes and supports continuous improvement.

Qualifications

1+ years of experience in product management, risk management, business analysis, technology, data, or a related discipline.
Strong analytical, problem-solving, and communication skills.
Ability to manage multiple priorities in a fast-paced, cross-functional environment.
Understanding of Agile product development; SAFe experience is preferred.
Familiarity with systems, data flows, APIs, databases, or technology development is preferred.
Knowledge of credit risk, fraud risk, underwriting, onboarding, or customer management is preferred.
Understanding of American Express risk systems and processes is desirable.
Bachelor's degree in a relevant field or equivalent experience.
Candidate must be flexible with the shift timings : Mon to Wed - 1:00pm to 9:30pm, Thursday - 11:00am - 7:00pm and Friday - 8:30am - 5:00pm

About Us

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you'll experience our powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.

About The Team

We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:

Competitive base salaries
Bonus incentives
Support for financial-well-being and retirement
Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
Generous paid parental leave policies (depending on your location)
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

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.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

Associate - Digital Product Management