**Description** **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 we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex. **Business Overview** 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 Digital 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 Digital 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 Digital Products that advance our market share and the way we do business. If you are interested in building the innovative digital risk Digital Products, can translate our business needs into remarkable solutions and if this energizes you, you should consider career in Digital Risk Products team. **Job Responsibilities** There are diverse set of roles within Digital Product job family, with varying responsibilities and skill requirements. We aim to develop next generation software Digital Products and solutions to solve risk management needs using latest tools and technologies. Collaborate with multiple risk strategy partners, technology teams and other Digital Product teams to build & iterate on Digital Products that directly impact millions of customers and prospects. A brief description of the roles and skills is outlined below: **Digital Product Management** + Create Digital Product vision and drive end-to-end Digital Product development including market research, competitive analysis, roadmap planning, prioritization, rationalization/globalization, feature & user story development, Digital Product design and launch **Digital Product Solutions Design** + Manage the implementation of risk Digital Products, drive global, reusable & configurable design, prioritization, rule authoring, testing, integration, and Digital Product launch using low-code tools. This cluster includes a diverse set of roles, with varying technical requirements from Low-Code tools to Pro-Code programming skills Selected candidate will be allocated to one of these roles depending on the fitment, business needs and candidate's choice and experience. **Qualifications and Skills Required:** + Ability to drive project deliverables to achieve business results + Ability to build positive relationships, operate effectively within large cross-functional teams, and influence business partners to drive ground-breaking change + Strong communication & interpersonal skills + Ability to learn quickly and work independently with sophisticated, unstructured initiatives + Customer-centered design approach and experience developing software Digital Products or services in partnership with different business partners globally + Experience in prototyping, iterative development, Scaled Agile Framework, and handling a backlog of initiatives optimally + Knowledge of SQL, SAS, Java, Hive, Yellow Brick, or Python is a plus + Knowledge of MS Office – PowerPoint, Excel + Bachelor's degree in mathematics, statistics, engineering, computer science, econometrics, or equivalent field of study + Advanced degree in mathematics, statistics, engineering, computer science, econometrics, or another equivalent field of study preferred + 3-5 years’ experience in an agile Digital Product Development/Owner role. 5 years of experience in Digital Product Development /Owner required for Senior Manager role **Qualifications** Salary Range: $90,000.00 to $165,000.00 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 . 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. 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. US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement. If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters. Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job:** Product **Primary Location:** US-Arizona-Phoenix **Schedule** Full-time **Req ID:** 24017502