Manager, Lending Products

Job 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 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.

An exciting opportunity to join American Express International Card Services (ICS) Hong Kong. This position is responsible for managing and developing a suite of lending products and its portfolios.

Through strengthening the value propositions to suit the changing customer needs, this role is expected to drive and deliver high profitability for our business with a particular focus on the largest contributing product portfolio.

The environment will be fast-paced, and we need someone who can lead the breadth of business development and product management responsibilities, who is commercially minded, agile and brings others with them collaborating across ICS and the Enterprise. In addition, as manager this position has the accountability to manage and ensure the product operation aspects are closely monitored, adhere to operation excellence and compliance requirements.

Key responsibilities:

• Use data to make informative decisions, to formulate and execute product and marketing strategies and fuel portfolio growth including product value propositions, customer engagement, loyalty and retention
• Identify relevant business partnerships that translate into differentiated membership values, project manage deals and partnerships from negotiation to implementation including prioritization, forecasting and resource management
• Closely monitor portfolio KPIs and holistically manage P&L and operational dynamics of the portfolio, through performance analytics to ensure business objectives are met as well as optimal use of investment dollars
• Work with internal key stakeholders to deepen engagement with customer, to ensure superior customer service is delivered and to manage governance and on-going oversight of critical operation processes
• Work with International teams to improve the lending product suite and increase digital engagement so as to enhance overall competitive positioning
• Lead a small team and motivate them to achieve business objectives and profitable margin

Qualifications:

• University degree preferably in Marketing, Business, Finance, or related disciplines
• 8-10 years of proven experience in financial services, banking, payment industry, with a keen understanding on Credit Card products, product strategy, product development or customer marketing
• Overall intellectual curiosity with a sound commercial sense, with the ability to view issues from a customer lens
• Strategic thinker, with demonstrated ability to identify opportunities and translate a broad set of information and analysis into customer insights, actionable plan and maximize returns for the company
• Good interpersonal and relationship building skills, excellent oral and written communications skills proven ability to influence multiple stakeholders and communicate effectively to audiences in a matrixed environment
• Self-starter and solutions-driven, curious with a willingness to learn and adapt to new responsibilities
• Comfortable with ambiguity, with strong ability to operate in an environment of evolving priorities and with the courage and flexibility to drive change and deliver results
• Track record of successful delivery of company-critical initiative
• People management experience, language proficiency in both English and Chinese (Cantonese) is a must

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
• 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.

Why American Express

At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we're supporting our customers financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what's possible - and we're proud to back each other every step of the way. When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. 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.