American Express - Associate/Senior Associate - Digital Product Management - Global Merchant & Network Services Group

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. 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.
Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express.
About GMNS Product Team
As part of the Global Merchant & Network Services group (GMNS), the GMNS Product team is at the core of American Express, uniquely positioned to support every business unit and customer across the Enterprise. The American Express Network enables over $1.6 trillion in annual spend, serving our Issuers and Acquirers in more than 170 markets worldwide.
We are driving a strategic, multi-year Enterprise Payments program to bring all payments together into a center of excellence to drive operational excellence for payment execution, enable innovative payment products, services, and capabilities to be built effectively and efficiently, support our BU strategies more closely, and deliver on our customers' evolving payment needs.
About the Role
This Enterprise Payments Product Development role is an individual contributor role, responsible for building modern, scalable enterprise payment capabilities and supporting high quality, predictable delivery across global markets. This role partners closely with Product Management, Architecture, Engineering and Market teams to translate product strategy into robust and scalable product and platform solutions.
This individual contributes to shaping how Enterprise Payments Products are designed, built and delivered, while supporting the modernization of legacy payment flows and the scaling of bank-based money movement solutions globally. The role reports to the Sr Manager in the Payments India Centre of Excellence (CoE) and plays a critical role in transforming how payment platforms are developed at American Express.
Key Responsibilities
- Collaborate with Product teams to translate product strategies and roadmaps into technical capabilities and actionable delivery plans.
- Develop capability release plans with key stakeholders, including Product Management, Engineering, Operations, Strategy, and Market teams.
- Participate in the discovery and envisioning of new payment flows and bank integration capabilities that power key customer journeys across American Express.

- Drive the definition and refinement of capabilities, features, user stories, and associated success criteria.
- Define market specific platform requirements for inclusion in global platforms and market expansion release plans.
- Develop the delivery strategy for modernization, including establishing playbooks for enablement expansion and scaling of modern payment capabilities across the globe.
- Drive modernization of payment capabilities, including migration from legacy solutions to resilient, scalable, and cloud enabled platforms, where applicable.
- Establish and monitor delivery and performance metrics to improve predictability, throughput, quality, and incremental value delivery.
- Act as a bridge between technical teams and business stakeholders to ensure clear communication, understanding, and alignment on product goals and progress.
- Foster a collaborative culture within the organization focused on delivery excellence and doing things the right way.
Requirements/Qualifications- 2+ years of experience in Product Development, Product Management, Strategy, Engineering or a similar role.
- Experience partnering closely with engineering teams throughout the product development lifecycle, with the ability to translate between business and technical contexts.
- Highly organized, with strong individual initiative and accountability for driving results.
- Strong analytical and problem-solving skills, with the ability to navigate ambiguity, make trade-offs, and drive execution at scale.
- Ability to quickly recognize issues and determine appropriate paths to resolution through creative and effective problem solving.
- Passion for payments and financial technology, with experience or exposure to Bill Pay, A2A payments, ACH, RTP, wires, or bank integrations.
- High intellectual curiosity, with strong critical thinking skills and interest in solving complex problems.
- Ability to collaborate effectively and build strong relationships with internal and external stakeholders to deliver shared objectives.
- Proven ability to drive change, and leverage scaled Agile practices to support successful product development and delivery.
- Bachelor's or master's degree in engineering, Business, or a related field.
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 an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.