Job Openings at American Express

This role is responsible for conducting detailed analysis and implementing underwriting strategies for UK Consumer and Small Business Card acquisitions. The successful candidate will focus on monitoring and explaining acquisition performance metrics, evaluating new data sources, and partnering closely with key business stakeholders on strategic initiatives.

Key Responsibilities:

• Identify hidden and emerging trends in acquisition data to generate insights and respond effectively to changes in competitive and economic environment.
• Partner closely with the Acquisition team to assess how changes in targeting and marketing mix impacts risk performance
• Evaluate new data sources and stay current with industry trends to enhance existing underwriting strategies and deliver good customer outcomes  
• Build strong cross-functional relationships with colleagues across Central Risk, Operations, Product, Acquisitions, and Compliance to drive enterprise-wide projects

Minimum Qualifications:

• At least 1 year+ experience in risk management or data analytical roles
• Bachelor’s or equivalent in quantitative field (e.g. Finance, Engineering, Physics, Mathematics, Computer Science and Economics)
• Coding skills in SQL or Python with hands-on experience is required
• Strong technical and analytical skills with the ability to apply both quantitative methods and business knowledge to create insights and deliver results
• Knowledge of underwriting and consumer/commercial bureau data
• Good communication and persuasion skills with an ability to translate technical analysis into business strategy recommendations; conceptualize and sell ideas to internal and external partners
• Ability to build strong relationships with business partners across the enterprise
• Proven track record to work independently and within a matrix organization; partnering with capabilities, decision sciences, technology teams and external vendors to deliver solutions quickly and effectively
• Results driven with strong project management skills and ability to work on multiple priorities
• Ability to learn quickly and work independently with complex, unstructured initiatives

Preferred Qualifications: 

• Understanding of statistical concepts
• Knowledge of UK regulatory landscape for consumer lending 

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As an Engineer in GMST you will be building core features and functions of card transaction systems on distributed platform deployed in the cloud. Actively participating in agile teams and the latest development practices, writing code and unit tests, working with API specs and automation. GMST Engineers use Java Technologies to drive innovation while also finding opportunities for adopting new technologies.

Minimum Qualifications

• Degree in computer science, computer engineering or a related field.
• Minimum 3 years of software development experience in a professional environment working with Java technologies - Vertx, Spring, Spring Boot, RESTful micro services, Ignite, In-Memory Computing, Spark, PostgreSQL, Cassandra, Kafka, Yellowbrick (Apache Ignite is a plus) and RESTful API’s.
• Hands-on experience with application design, software development and automated testing
• Experience with distributed (multi-tiered) systems, algorithms, relational or NoSQL databases.
• Ability to effectively interpret technical and business objectives and challenges and eloquent solutions.
• Ability to learn and investigate new technology and business domains, question status quo and think outside of the box.
• Ability to debug basic software components and identify code defects for remediation.
• Experience working in Agile or other rapid application development methods.
• Proficient oral and written communication skills.
• 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.

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.

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If you are comfortable working on multiple projects, thriving in a dynamically changing environment and passionate about digital and advertising, this is a great fit for you. Most importantly we hope you will love the brand as much as we do.

The successful candidate will be responsible for:

• Design compelling and innovative campaigns, including development of positioning, messaging, value proposition and go-to-market strategy in synergy with Product Management, Sales and Brand.
• Lead go-to-market plans, articulating project statuses and ensure excellent execution across all marketing functions internally.
• Provide outstanding creative leadership and challenge agencies to deliver best in class and innovative campaigns.
• Ensure that product messaging hierarchy and assets ladder up to overall brand messaging.
• Develop impactful plans utilising relevant media for our target audience in the most efficient way.
• Day to day management of all Above the Line campaigns.
• Review competitive activity and changing market needs to facilitate adjustments on strategy if needed.
• Liaise with other markets to share and reapply best practices.
• Constantly analyse and evaluate brand and campaign performance and initiate corrective actions.
• Influence upwards – ensuring your plans and ideas have agreement across the senior members of the business and stakeholders are engaged at the right times.
• Ensure all activities are carried out cost effectively, efficiently and within budget.
• Stay informed on the latest trends our audiences are consuming and engaging with, maintaining links with the industry, and incorporating fresh research or approaches into marketing plans where relevant.
• Coach, motivate and develop 2 acquisition marketing executives and support the ongoing development of wider team culture.

Required Skills/Qualifications: 

• Solid marketing experience of working on a well-known brand. Ideally, you’ll also have commercial awareness.
• Experience of all core marketing competencies: launching NPD, developing campaigns and end to end executions, budget management and a consistent record of using data to drive business results.
• Good experience across all touchpoints: advertising, media, social and digital.
• Curious, determined with ‘can-do’ attitude and passion to build and grow brands.
• Strong perspective on key digital and media trends in the market landscape.
• Well versed in presenting, challenging, and managing senior stakeholders with confidence.
• Operational efficiency with work delivered on time, to a high standard, and to budget and great quality.
• Resilient and calm under pressure.
• Creative mindset.
• A great team player with a willingness to roll up your sleeves.
• Excellent attention to detail.
• Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.  

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