Senior Manager-Digital Product Management

American Express

Bengaluru, India

8-10 Years

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Posted 3 days ago
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Job Description

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.

About Global Merchant and Network Product Team

The Global Merchant and Network Product team is at the heart of American Express. Each year, we power billions of transactions through our global payments network, serving our Issuing & Acquiring partners in more than 170 markets worldwide. We grow revenue by driving strategic, multi-year initiatives to deliver differentiated value to our merchants, partners, and customers.

The Global Merchant and Network Capability Delivery team works to deliver digital products and services for merchants, network acquirers and issuers, and payment facilitators such as ATM/debit, point of sale authorizations & submissions, transaction pricing, disputes and settlement that meet the evolving demands of our global payment network. The wide range of solutions we develop enable the enterprise to attract new customers, operate in new markets, react to regulatory demands, and process new/emerging types of payments. A role on this team will challenge you to broaden your business solution design, agile product, data stewardship, quality assurance and operational readiness skills while incorporating an industry perspective in a collaborative, diverse and inclusive team environment.

About this role:

The Senior Product Manager leads the strategy, roadmap, and execution for Merchant Non-Financial Data platforms, including Merchant Onboarding journey capabilities and the associated System of Record (SOR). This role drives scalable onboarding processes, controls, and validation checks across the Merchant lifecycle, ensuring data accuracy, integrity, governance, and regulatory compliance within the BFSI environment.

The role owns end-to-end product lifecycle management of the Merchant Non-Financial Data platform, ensuring robust onboarding workflows, standardized data capture, validation rules, risk checks, and operational controls are embedded within the platform. Operating within a highly matrixed environment, the role partners with senior leadership and multiple Lines of Business (LOBs) to influence enterprise-level decision-making.

Design and execute the capability roadmap supporting Merchant Onboarding journeys and Merchant Non-Financial Data platforms.

Define product vision, priorities, and policies impacting onboarding processes, data controls, and platform governance.

Ensure robust onboarding workflows, validation checks, and control frameworks are embedded within the non-financial data platform.

Balance short-term tactical enhancements with long-term strategic modernization of onboarding and System of Record capabilities.

Lead user-level product discovery sessions to define scalable, compliant, and customer-centric solutions.

Translate business requirements into scalable technical features, high-quality user stories, and structured data specifications.

Lead feature definition workshops, backlog grooming, and scope prioritization sessions.

Establish acceptance criteria, define test strategy, and author UAT cases to ensure quality and compliance.

Oversee data models, relational tables, entity relationships, APIs, data ingestion frameworks, and ETL processes supporting onboarding controls.

Ensure strong governance of the Merchant Non-Financial Data System of Record (SOR), including data integrity, lineage, reconciliation, and quality controls.

Identify technical and control gaps and partner with Technology and Data Engineering teams to mitigate risks using Scaled Agile methodologies.

Drive initiatives with full awareness of BFSI regulatory requirements, risk frameworks, compliance obligations, and audit readiness.

Maintain and monitor core critical metrics such as onboarding cycle time, control effectiveness, data accuracy, and platform reliability.

Serve as Subject Matter Expert (SME), conducting strategic and industry analysis to provide informed, competitive recommendations.

Interface with senior leadership and navigate matrixed environments to drive alignment and enterprise-level decisions.

Maintain open communication channels across Product, Technology, Operations, Risk, Compliance, and Governance.

Support governance and control processes for assigned product(s).

Operate effectively in ambiguity while proactively managing portfolio risks and dependencies.

Lead multiple direct reports with accountability for performance management, coaching, development planning, calibration, and broader people leadership responsibilities.

Skills & Expertise

8+ years of Product Management experience, preferably in platform or data products.

Strong understanding of onboarding workflows, validation checks, control frameworks, and data governance within BFSI.

Strong understanding of data models, relational tables, entity relationships, APIs, data ingestion, and ETL processes.

Proven ability to convert business requirements into scalable technical features.

Strong command of the Product Management lifecycle with application of Scaled Agile delivery.

Experience working closely with Technology as integrated partners.

Ability to think globally and drive process standardization while adapting to regulatory or market-specific requirements.

Strong BFSI regulatory awareness with risk-informed product decision-making.

Strong people leader with experience managing multiple direct reports, performance management, coaching, development planning, and talent calibration.

Excellent communication, stakeholder management, and cross-functional facilitation skills.

Strong analytical, strategic thinking, and innovation capabilities.

Self-driven leader with proven ability to manage ambiguity, risk, and competing priorities.

Bachelor's or master's degree in computer science, Engineering, Computer Applications, MBA or related quantitative field.

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.