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 this 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.

How will you make an impact in this role?

This position is in US Consumer New Accounts Risk Strategy reporting into a director. The role sits at the intersection of credit risk, growth strategy, and applied Generative AI. You will be responsible for following:

This position is in US Consumer New Accounts Risk Strategy reporting into a director. The role sits at the intersection of credit risk, growth strategy, and applied Generative AI. You will be responsible for following:

 sign and scale underwriting strategies that drive industry-leading credit outcomes while enabling profitable, premium growth in new account acquisitions

Design and scale underwriting strategies that drive industry-leading credit outcomes while enabling profitable, premium growth in new account acquisitionsLead GenAI transformation in the team to automate workflows improving efficiency and elevating decision quality and customer experience 

You will partner across Risk, Marketing, Finance, Decision Science, and Technology to achieve the role objectives.

Key Responsibilities 

Lead Gen AI transformation in the new accounts risk strategy team to improve efficiency, surface emerging risks and opportunities faster, elevate decision quality and customer experience.Own and enhance acquisition strategies to increase premium acquisition and improve investment efficiency.Own, enhance and manage Affiliate and targeted channel acquisition strategies driven by economics of lifetime value with industry-best credit resultsContinuously monitor new account acquisition performance, conduct deep-dive analyses to explore areas of opportunity, and implement credit controls to address potential/emerging risks for core and targeted acquisitions across channelsTrack developments of acquisition journey in the external marketplace to understand industry best practices.Ensure adherence to credit risk compliance and sound risk management standardsElevate customer experience by providing seamless underwriting and on-boarding experienceInfluence Marketing and channel partners to enhance front-end backend decision consistency, optimize top of the funnel traffic and drive premium applicant qualityManage partnership with Marketing, Risk Products & Data Strategy, Decision Science, New Accounts Servicing, Fraud, CBO teams to enable enterprise-wide innovations

Minimum Qualifications

Core Expertise

Advanced degree in a quantitative field (Economics, Statistics, Mathematics, Operations Research, Engineering, Computer Science) or MBA with strong hands-on analytics experience.Deep expertise in underwriting, credit risk strategy, or acquisition analytics, preferably in credit cards or payments.Strong understanding of credit card economics, customer lifetime value, and acquisition funnels.

Applied GenAI & Advanced Analytics

Demonstrated experience applying Generative AI in real-world decisioning, analytics, or strategy workflows.Hands-on exposure to LLMs, prompt engineering, AI-driven automation, or decision support tools.

Leadership & Execution

Proven ability to lead multiple complex initiatives in a fast-moving, ambiguous environment.Strong collaboration and influence skills across technical and non-technical partners.Outstanding communication skills, with the ability to explain complex insights clearly to senior stakeholders.Self-motivated, intellectually curious, and externally oriented with a passion for innovation.

Salary Range: $89,250.00 to $150,250.00 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 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.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

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.

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Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.