About the Role
The Initial Limit Management function within Credit and Fraud Risk (CFR) is responsible for setting and managing Initial Credit Line Assignment policies and strategies for the U.S. Consumer Credit Card portfolio.
Credit line assignment is a key driver of lending growth and portfolio profitability, and a critical lever for enhancing Card Member engagement and delivering a superior customer experience. The function operates within a well-established framework that leverages advanced algorithms, predictive models, and business rules to inform decision-making.
Role Overview
This position reports to the Director of Initial Limit Assignment and works in close partnership with cross-functional teams, including Decision Science, Technology, Finance, Product, Marketing, and Servicing.
As an individual contributor Manager (B35), this role is expected to independently drive the execution and enhancement of Initial Line Assignment strategies. The incumbent will balance revenue growth with contingent liability risk to support sustainable portfolio performance, while identifying opportunities to improve and evolve line management capabilities.
Primary Responsibilities
- Drive the execution and enhancement of Initial Line Assignment strategies for the U.S. Consumer Credit Card portfolio, including prospect initial line, customer initial line, proactive line reallocation, and balance transfer programs
- Enhance economic logic, optimization frameworks, and business rules to maximize returns and deliver strong credit performance
- Partner closely with Decision Science teams as a key consumer of line models; support model evaluation through validation of outputs, performance monitoring, and identification of enhancement opportunities
- Design and execute test-and-learn experiments to drive efficient lending growth while managing contingent liability and long-term volatility
- Collaborate with Product, Marketing, and Servicing teams to support line presentment, balance transfer initiatives, and Card Member engagement strategies
- Contribute to the modernization of line management processes and tools in partnership with Technology and Decision Science teams
- Monitor MIS and key performance metrics to identify risks and opportunities, and inform strategy refinement
- Ensure operational excellence and adherence to controls, governance, and regulatory requirements, including support for audits and documentation
Minimum Qualifications
- Advanced degree in a quantitative or analytical field (e.g., engineering, mathematics, statistics, econometrics, or management) with 2+ years of relevant experience
- Strong analytical and problem-solving skills, with the ability to interpret complex data and model outputs and translate insights into actionable recommendations grounded in sound risk management principles
- Foundational understanding of credit risk, underwriting, or decisioning frameworks; knowledge of credit card economics and the payments landscape is a plus
- Demonstrated ability to independently manage analytical workstreams and deliver high-quality outcomes
- Strong written and verbal communication skills, with the ability to collaborate effectively across teams
Preferred Qualifications
- Strong project management skills, with the ability to manage multiple priorities in a fast-paced environment
- Effective stakeholder management skills, with the ability to influence cross-functional partners
- Familiarity with leveraging Generative AI tools to drive efficiency, identify new use cases, and support risk assessment and decisioning processes
- Experience working with data tools such as SQL, Python, SAS, or similar
- Prior experience in financial services, credit risk, or underwriting is a plus
- High learning agility, with the ability to adapt and deliver in a dynamic environment
- Self-motivated, intellectually curious, and proactive, with a continuous improvement mindset
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.