Senior Manager, Installment Lending (12-18 month Cross Train)

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. 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?

Overview

The Senior Manager, Installment Lending (12-18-month cross-train) is a critical role responsible for driving top and bottom line growth via multiple lending products and solutions. This role has a diverse remit that includes strategy, relationship management, product management, acquisition, customer management, campaign optimization, analytics and P&L oversight. You will lead a team of 3 while managing our Personal Loans, Business Loans and Plan It products.

You are a driver of results, a master relationship builder, bring a strategic vision, a comfort with financial analysis and can-do attitude to your work. You’re motivated by multiple initiatives on the go, have a passion for innovation and problem solving, and are energized by leading and coaching others.

Key Responsibilities

Drive Results – Grow the bottom line.

• Continue to accelerate Originated Accounts Receivable and Finance Charge Revenue across Personal Loans and Plan It.
• Optimize Loan and Installment marketing campaigns across multiple channels and multiple segments.
• Lead with outcome-oriented mindset while ensuring operational excellence.
• People Leadership – Lead and empower 3 direct reports.
• Support the growth and development of your team.
• Lead with integrity to create a high functioning team who have a continual eye for flawless execution and future opportunities.

Product Management – Champion non-card lending solutions with end-to-end lifecycle ownership.

• Facilitate ongoing refinement of customer journey, positioning and messaging to enhance margins and product adoption.
• Enhance risk management through development of incremental controls and processes.
• Manage the wind down of our Business Loans product and third party relationship that supports it.
• Drive education of Loans and Plan It across the enterprise while supporting customer escalations. 

Drive Results – Relationship Management – Cultivate strong relationships with partners across the enterprise.

• Partner with Lending Centre of Excellence and Risk to implement initiatives impacting bottom line growth and customer journey.
• Collaborate with key stakeholder groups including Legal, Compliance, Control Management, Finance, Product, Customer Management and Acquisition to find win-win outcomes.
• Manage third party relationship with Business Loans partner.
• Turn Analytics into Action – Leverage internal and external data to refine product strategy.
• Lead business planning for portfolio including forecasting, investment optimization and technology prioritization activities.
• Anticipate current and future customer needs as well as competitive offerings.
• Translate external influences (regulatory, technology, economic & consumer behavior into opportunities or threats. 

Qualifications:

• Minimum 3-5 Years Experience:

• Relationship management and influencing across a diverse group of stakeholders.
• Product and/or channel management.

• People Leadership.

• Driving results against top and bottom line metrics.
• Selecting, reviewing and analyzing data related to business performance and planning (e.g. financial data, forecasting, funnel optimization, investment optimization).
• Managing omni-channel marketing campaigns.
• Relationship management and influencing across a diverse group of stakeholders.
• Product and/or channel management.

• People Leadership.

• Driving results against top and bottom line metrics.
• Selecting, reviewing and analyzing data related to business performance and planning (e.g. financial data, forecasting, funnel optimization, investment optimization).
• Managing omni-channel marketing campaigns.

This Will Include:

• Ability to manage multiple complex priorities simultaneously.
• Strength in organizing teams and meeting deadlines.
• Proven analytical and critical thinking skills.
• Demonstrated oral and written communication skills.
• Proactive ability to anticipate risks and issues and ensure adequate mitigation is put in place.
• Balancing a customer-focused mindset with key business objectives.

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

American Express is committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”).   If you have a disability and need accommodation, please speak with the Recruiter for more information.

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