Associate, Lending & Marketing

Associate, Lending & Marketing

Job Description

This position is responsible for leading the planning, execution and implementation of marketing and communication programs to drive lending growth and enhance Cardmember awareness of American Express lending products in Hong Kong. The incumbent will support the delivery of lending campaigns and Cardmember communications, while ensuring adherence to internal policies, corporate guidelines and external regulatory requirements.

The incumbent will also work closely with various Lines of Business (LOBs), Central Lending team and other key stakeholders to support lending engagement initiatives, marketing programs and the rollout of new lending capabilities. These initiatives aim to drive Accounts Receivable (AR), revolve rate and revolve revenue growth within the company's risk appetite. The role will also involve conducting market and competitor analysis, tracking campaign performance and identifying opportunities for continuous improvement.

Responsibilities

• Lead the planning and execution of lending marketing programs, including loan acquisition and card revolve engagement initiatives, to drive business growth and achieve business targets
• Conduct product, customer and campaign performance analysis, as well as regular industry and competitor reviews, to provide insights and recommendations for business and marketing initiatives
• Coordinate with internal and external stakeholders to ensure smooth and timely execution of lending initiatives, marketing campaigns and Cardmember communications
• Support the Central Lending and Risk teams on various projects, system enhancements and implementation of new lending capabilities
• Monitor and track campaign performance, prepare regular reports and identify opportunities to optimize marketing effectiveness and business results
• Ensure marketing campaigns and communications comply with corporate guidelines, service quality standards, regulatory requirements and card scheme requirements
• Support marketing budget tracking, expense monitoring and vendor coordination to ensure cost efficiency and compliance with internal sourcing policies

Qualifications

• University degree in a relevant discipline

• Minimum of 5 years of working experience in the credit card, financial services or consumer industry; experience in lending products or marketing is an advantage

• Good analytical, data analysis and problem-solving skills with commercial awareness and basic understanding of P&L drivers; knowledge of Python and/or SQL is preferred

• Good marketing and communication skills, with experience in campaign execution, project coordination or agency management

• Good organizational and project coordination skills, with the ability to manage multiple tasks and meet deadlines

• Proactive, detail-oriented and a strong team player, with an interest in market developments and evolving trends in consumer lending products and services

• Good command of written and spoken English and Cantonese / Chinese

• 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 our 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.

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

• 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

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