Job ID: 26013987Posted: 2026-10-07Location: Phoenix, AZ, United StatesSalary: $89250 - $150250 annually + bonus + benefitsJob Function: ProductSchedule: Full timeShift: DayWorkplace: HybridCareer Area: ProductCompany: American ExpressDescriptionCredit 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.ResponsibilitiesDevelop 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 qualityQualificationsAbility to drive project deliverables to achieve business resultsAbility to work effectively in a team environmentStrong communication & interpersonal skillsAbility to learn quickly and work independently with sophisticated, unstructured initiativesCustomer-centered design approach and experience developing software products or services in partnership with different business partners globallyExperience in prototyping, iterative development, Scaled Agile Framework, and principles is a plusKnowledge of SQL, Java, MS Office – PowerPoint, ExcelKnowledge of SAS, Hive, Yellow Brick, or Python is a plusBachelors in a relevant field. Master’s is a plus1+ years of experience in product development, or a related fieldEmployment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions. About the TeamAt 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.
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