Job Description

This is an integral role in the US Consumer Credit Risk team. The incumbent will be responsible to manage 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. The incumbent will need to 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.

The incumbent needs to ensure flawless 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:

• Lead the U.S. Consumer Proactive Line Increase function, developing and deploying credit line strategies across the U.S. Consumer Card portfolio, with a focus on leveraging modeled income to enhance routing criteria and decisioning.
• 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
• 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 SAS & SQL preferred

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

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.