Director - Product Development, Banking Capabilities

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Job Description

Why American Express?

There’s a difference between having a job and making a difference.

American Express has been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.

We’ve also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they’re ready to take on a new career path, we’re right there with them, giving them the guidance and momentum into the best future they envision.

Because we believe that the best way to back our customers is to back our people.

The powerful backing of American Express.
Don’t make a difference without it.
Don’t live life without it.

At American Express we are passionate about providing the best customer experience everyday through a differentiated set of products and services. Amex’s Risk Management capabilities are at the core of delivering the outstanding customer experience while handling credit and fraud losses at lowest levels in the industry. With our mix of assets like closed-loop data, machine learning models, underwriting techniques on a modern technology stack we are re-imagining how payment experiences & risk management converge in a more modern, digital and connected world.

In order to deliver on the vision, the Credit and Fraud Risk Capabilities (CFRC) team is driving the roadmap for new banking risk capabilities to enable the launch of several new banking products over the next couple of years. We are looking for a leader who will drive Product development and delivery of various business capabilities to support risk management for banking products including all stages of Onboarding, Money Movement and Debit card etc.

The role involves leading a team of product development professionals and working with Credit & Fraud Risk strategy teams and Engineering leaders to convert the product vision into a well-managed development roadmap with a set release cycle. This is a Risk Strategy & technology facing role defining software product vision, ensuring flexible and global system/capability design, grooming user stories, prioritizing work for scrum teams using program increments.

The successful individual ensures that the banking risk business capabilities meet the evolving needs of the enterprise through continuous innovation, evaluation and deployment. This role requires strong organizational, technical, creative problem-solving and stakeholder leadership skills and should have the ability to influence across multiple levels of leadership. This person must work well in a dynamic, sophisticated environment and under deadline pressures and be able to coordinate the efforts of a large agile team (stakeholders, designers, developers and analytics) to deploy the new platform across markets and products.

This is an exciting and critical role that will help drive the future roadmap of the global capabilities for enabling outstanding customer experience in banking and payments domain. You’ll work among robust design, product and engineering teams. We are looking for someone who is deeply inquisitive, enjoys creative problem solving, is detail-oriented, and has an entrepreneurial background to focus on driving results, platform performance and high availability.


  • Work collaboratively with business and technology partners to identify and deliver credit and fraud risk capabilities for Banking Products.
  • Lead a team of product development professionals for product management as well as product ownership.
  • Own and manage the product backlog which includes creating and reviewing Initiatives, Capabilities, Features and User Stories with Acceptance Criteria.
  • Manage the product life cycle from strategic planning to tactical execution via scrum teams.
  • Lead the product functional design and partner with teams for design process based on an intimate knowledge of the customer and technology.
  • Enable data and analytics-driven decision making to evolve products and usage.
  • Brainstorm and negotiate effectively with various stakeholders to continuously define feature priority, and then prioritize engineering work and balancing the requirements of customers and stakeholders.
  • Define and execute the deployment plan, working to ensure that partners have what they need to be successful
  • Ensure that best in class agile software development processes are in place

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

Minimum Qualifications

A successful candidate will have:

  • 5+ years in agile product development and delivery

  • Banking and Risk Management Experience is a plus.

  • A good balance of technical knowledge and business acumen with a proven track record of driving digital innovation and business metrics with a customer-first mindset.

  • An established background in launching software or services in partnership with engineering teams and high degree of proficiency in prototyping, iterative development, Scaled Agile Framework and principles.

  • Enthusiasm and passion for building great products and services and an ability to articulate product functionality.

  • Understanding of the evolving compliance and regulatory requirements and environment and how to incorporate technology, infrastructure and security requirements into the product design.

  • Excellent communication skills with the ability to engage, influence, and inspire partners to drive collaboration and alignment.

  • High degree of organization, individual initiative and personal accountability.

  • An ability to solve complex problems and a highly analytical approach.

  • Bachelor’s degree in computer science/technology/engineering/business management or related field is mandatory.

  • Master’s Degree (or comparable experience) in management, computer science, engineering or a related discipline is ideal.

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.

ReqID: 20007102
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Nov 9, 2020, 9:51:36 PM

EEO Statement

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, age, or any other status protected by law.