Manager- Pay Over Time Portfolio Management

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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.

Product Management and Lending organization is focused on developing innovative products and evolving the portfolio in a way that transforms how American Express meets Cardmember borrowing needs in a constantly evolving landscape. Pay Over Time team within PML leads offering our Charge Cardmembers enhanced payment flexibility and fulfill our Cardmembers borrowing needs.This Manager will play an integral role in this payment flexibility journey, helping to grow our share of lend & drive engagement through strategic analytics and portfolio monitoring.Responsibilities:

• Conduct analyses to identify growth opportunities using internal and external information
• Develop and lead effective portfolio monitoring tools and share key insights and trends with leadership and partners
• Understand economics and track performance for lending growth levers such as POT limit, pricing offers, MR offers
• Develop portfolio growth decomposition framework and supervise performance against financial plan
• Collaborate with key partners including Risk, Pricing, Finance, Premium Products and Marketing

Minimum Qualifications:

Customer Centric: You strive to understand CM behavior and constantly put yourself in CMs’ mindset

Strategic: You are intellectually curious and have outstanding problem-solving skills to use your understanding of customer engagement, marketing KPIs, lending economics to help unlock value

Innovative and Creative: You are not afraid to test and apply new knowledge and experiences to address evolving CM borrowing needs in innovative and creative ways

Collaborative: You are known for your thought-leadership with the ability to engage, influence, and encourage cross-functional partners to drive collaboration and develop shared vision

Methodical: You are a strong project manager with a keen attention to details and excellent organization skills who knows when/where/how to prioritize optimally and courageously

Technical: Prior knowledge of SQL/HIVE and/or Python is preferred

Salary Range: $80,000.00 to $155,000.00 annually + bonus + 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.

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