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Credit and Fraud Risk (CFR) Organization within American Express helps drive profitable business growth by reducing the credit & fraud risk and maintaining our customers' confidence in the security of the products. It utilizes an array of tools and ever-evolving technology to detect and combat risk, minimize the disruption of good spending, and provide a world class customer experience. The Digital Risk Products & Data Strategy (RPDS) team within CFR is the backbone of all risk decisions and help in building the digital software products for risk management across customer lifecycle i.e., Onboarding, Credit Underwriting, Authorizations, Collections across card & non card business globally.

As a part of this team, you'll work with the industry's best talent to create thoughtful and innovative risk products that advance our market share and the way we do business. If you are interested in building the innovative digital risk products, can translate our business needs into remarkable solutions and if this energizes you, you should consider career in Risk Products team.

Job Description:

We are seeking a Product Manager to lead the end-to-end product strategy, execution, and delivery of new features for risk decisioning platform products with a focus on scalability, resilience, performance, and developer productivity. This role is responsible for defining product requirements, aligning cross-functional stakeholders, and ensuring successful implementation of platform modernization initiatives 

The ideal candidate has experience with large-scale platform modernization, risk/authorization processes, and deep stakeholder management skills. This is a high-visibility role critical to the future of Amex's global authorization architecture.

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.

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
• 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.

Required:

• Bachelor's Degree Required  in Engineering Preferred
• 5-8+ years of Product Management experience, ideally in payments, risk systems, platform modernization, or large-scale technology transformation.
• Proven experience driving cross-functional programs with complex dependencies.
• Ability to translate technical concepts into clear business requirements and communicate with both engineering and leadership stakeholders.
• Experience working in Agile development environments.
• Data-oriented mindset with ability to define KPIs and use analytics to drive decision-making.
• Excellent leadership, stakeholder management, and cross-functional collaboration skills

Preferred: 

• Experience in payments networks, issuer/acquirer systems, or financial services risk domains.
• Strong understanding of authorization flows, real-time decisioning, and risk management principles.

• Demonstrated success improving system performance, scalability, and reliability

• Knowledge of machine learning or real-time risk modeling pipelines.
• Strong strategic thinking, influencing skills, and comfort operating in ambiguous environments.

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

• Define the product vision, strategy, and multi-phase roadmap for platform modernization with focus on resiliency and scalability 
• Identify modernization opportunities, including simplification, consolidation, performance improvements, and enhanced network-based risk decisioning.
• Partner with Risk Technology, Network teams, Enterprise Architecture, and Data Strategy to shape long-term platform capabilities.

• Develop detailed product requirements, user stories, acceptance criteria, and success metrics for authorization and risk features.

• Lead platform roadmap planning including dependency assessment, sequencing, change-management strategy, and operational readiness.
• Drive execution through agile ceremonies, backlog prioritization, and release planning.
• Partner closely with engineering leaders to ensure timely delivery, high quality, and adherence to architectural standards.
• Coordinate functional tests, performance validation, and end-to-end readiness assessments.
• Facilitate alignment across testing strategies ( UAT, E2E, Regression etc.)
• Communicate progress, risks, and mitigation plans to senior leadership.