You Lead the Way. We’ve Got Your Back.

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.

How will you make an impact in this role?

Overview

The Senior Manager, Lending Economics is a critical role responsible for driving margin enhancements to grow the profitability of our consumer and small business lending. This role will focus on bottom line growth for our card portfolio through a variety of projects that span pricing actions, new capability development, cost reduction and regulatory adherence. You will lead a team of 2 and partner with a variety of key stakeholders across the business locally and centrally.

You are a driver of results, a master relationship builder, bring a strategic vision, a comfort with financial analysis and aren’t scared off by technical details. You’re motivated by multiple initiatives on the go, have a passion for innovation and problem solving, and are energized by leading and coaching others.

Key Responsibilities

Drive Results – Deliver high impact projects and initiatives

Action a set of complex projects that improve lending margins and/or ensure compliance with regulatory requirements Lead with a sense of urgency and persistence in meeting objectives Motivate others to act with timeliness and define success Ensure flawless delivery

Project Management – Keep yourself and your stakeholders moving in the right direction

Stay organized across multi-phased projects that span multiple platforms Help define clear deliverables and workback schedules for interdependent teams Define and execute strong testing and controls Proactively anticipate risks or obstacles and ensure adequate mitigation strategies

Opportunity Analysis – Identify and investigate areas for potential future margin enhancements

Support cost-benefit analysis for potential new initiatives Understand feasibility, dependencies and risks associated with potential future projects Monitor external environment to identify competitive threats and opportunities Maintain an ongoing roadmap

People Leadership – Lead 2 direct reports

Support the growth and development of your team Lead with integrity to create a high functioning team who have a continual eye for flawless execution and future opportunities

Relationship Management – Build a common vision across stakeholders in order to drive strategy

Influence to gain stakeholder buy-in Maintain strong collaboration across multiple functions including Global Accounts Receivable, Acquisition, Legal, Compliance, Operational Excellence, Risk and Product teams Drive support and ensure alignment during changes to scope and in finding resolution of issues

Qualifications

Minimum 3-5 years experience on:

Driving results against top or bottom line metrics Organizing and gaining insights from financial data People leadership Project management Relationship management and influencing across a diverse group of stakeholders

This will include: 

Ability to manage multiple complex priorities simultaneously Comfort with technical processes and systems Proven analytical and critical thinking skills Strength in organizing teams and meeting deadlines Demonstrated oral and written communication skills Proactive ability to anticipate risks and issues to ensure adequate mitigation is put in place

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  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 committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”).   If you have a disability and need accommodation, please speak with the Recruiter for more information.

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