Senior Associate-Digital Product Management

Senior Associate-Digital Product Management

Phoenix, AZ, United States

(Hybrid)

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Job Description

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 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 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 products that advance our market share and the way we do business. If you are interested in building the innovative digital risk products, can translate our business needs into remarkable solutions and if this energizes you, you should consider career in Risk Products team.

Responsibilities

• Develop next generation software products and solutions to solve risk management needs using latest tools and technologies.

• Collaborate with multiple risk strategy partners, technology teams and other product teams to build & iterate on products.

• Drive global, reusable & configurable design, rule authoring, testing, integration, and product launch using low-code tools.

• Work in a scrum team environment with Scrum Master, Product Owner and peers to design, develop and implement business logic.

• Identify & implement Product & Process simplification opportunities.

• Deliver prioritized functional and non-functional roadmap as per aligned timelines & good quality

Qualifications

• Ability to drive project deliverables to achieve business results

• Ability to work effectively in a team environment

• Strong communication & interpersonal skills

• Ability to learn quickly and work independently with sophisticated, unstructured initiatives

• Customer-centered design approach and experience developing software products or services in partnership with different business partners globally

• Experience in prototyping, iterative development, Scaled Agile Framework, and principles is a plus

• Knowledge of SQL, Java, MS Office – PowerPoint, Excel

• Knowledge of SAS, Hive, Yellow Brick, or Python is a plus

• Bachelors in a relevant field. Master’s is a plus

• 1+ years of experience in product development, or a related field

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

• 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

• 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 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.

• US Job Seekers - Click to view the “Know Your Rights” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster.

• The below 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.​

• Job Info

• Job Identification

• 26013987

• Job Category

• Product

• Posting Date

• 10/07/2026, 09:57 AM

• Apply Before

• 10/14/2026, 12:00 AM

• Degree Level

• Bachelor's Degree

• Job Schedule

• Full time

• Job Shift

• Day

• Locations

• AMEX 18850 N 56th Street Building 3, Phoenix, AZ, 85054, US

• (Hybrid)

• Salary Range

• $89250 - $150250 annually + bonus + benefits

• Career Area

• Product

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