Manager - Pay Over Time Portfolio Management: Driving Lending Growth through Strategic Analytics

Unlock Your Potential with American Express: Join Our Team as a Manager - Pay Over Time Portfolio Management At American Express, we're not just a company - we're a community that empowers individuals and businesses to progress in extraordinary ways. As a global and diverse team, we're committed to backing our customers, communities, and each other. When you join Team Amex, you become part of a culture that values integrity, inclusivity, and customer-centricity. We're looking for talented individuals to lead the way in our Pay Over Time Portfolio Management team, driving lending growth through strategic analytics and portfolio monitoring. About the Role The Manager - Pay Over Time Portfolio Management is a critical role within our Product Management and Lending organization. As a key member of our team, you'll be responsible for analyzing growth opportunities, developing effective portfolio monitoring tools, and collaborating with cross-functional partners to drive business outcomes. This is an exceptional opportunity to make a meaningful impact on our customers and the company, while growing your career in a dynamic and supportive environment. Key Responsibilities Conduct in-depth analyses to identify growth opportunities using internal and external data sources, and develop insights to inform business decisions Design and lead effective portfolio monitoring tools, sharing key insights and trends with leadership and partners to drive business outcomes Understand and track the economics of lending growth levers, such as Pay Over Time limit, pricing offers, and merchant rewards offers, to optimize business performance Develop a portfolio growth decomposition framework, supervising performance against financial plans and identifying areas for improvement Collaborate with key partners, including Risk, Pricing, Finance, Premium Products, and Marketing, to drive cross-functional alignment and business growth Essential Qualifications To succeed in this role, you'll need to possess a unique blend of skills and competencies. We're looking for individuals who are: Customer-Centric : You strive to understand Cardmember behavior and constantly put yourself in their mindset, driving decisions that meet their evolving needs Strategic : You're intellectually curious, with outstanding problem-solving skills and the ability to leverage customer engagement, marketing KPIs, and lending economics to unlock value Innovative and Creative : You're not afraid to test and apply new knowledge and experiences to address evolving Cardmember borrowing needs in innovative and creative ways Collaborative : You're known for your thought leadership, with the ability to engage, influence, and encourage cross-functional partners to drive collaboration and develop a shared vision Methodical : You're a strong project manager with a keen attention to detail and excellent organizational skills, knowing when, where, and how to prioritize optimally and courageously Preferred Qualifications While not essential, prior knowledge of SQL/HIVE and/or Python is preferred, as well as experience in a related field or industry. What We Offer At American Express, we're committed to supporting the holistic well-being of our colleagues. Our benefits and programs are designed to promote physical, financial, and mental health, and 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 Career Growth and Development At American Express, we're committed to helping our colleagues grow and develop in their careers. As a Manager - Pay Over Time Portfolio Management, you'll have opportunities to: Develop your skills and expertise in a dynamic and supportive environment Take on new challenges and responsibilities, driving business outcomes and growth Collaborate with cross-functional partners to drive innovation and excellence Participate in career development and training programs to enhance your skills and knowledge Our Culture At American Express, we're proud of our culture and the values that drive us. We're committed to: Fostering a culture of inclusivity and diversity, where everyone feels seen, heard, and valued Promoting a work environment that's flexible and supportive, with opportunities for growth and development Recognizing and rewarding our colleagues for their contributions, leadership, and impact Upholding the highest standards of integrity and ethics, in everything we do Compensation The salary range for this role is $80,000 to $155,000 annually, plus bonus and benefits. The actual salary will depend on various factors, including location, experience, and job-related factors. Are You the One We're Looking For? If you're a motivated and talented individual with a passion for driving business growth through strategic analytics and portfolio monitoring, we want to hear from you. Apply now to join our team as a Manager - Pay Over Time Portfolio Management and unlock your potential with American Express. 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. Apply for this job