About Global Merchant and Network Product Team
The Global Merchant and Network Product team is at the heart of American Express. Each year we power billions of transactions through our global payments network, serving our Issuing & Acquiring partners in more than 170 markets worldwide. We grow revenue by driving strategic, multi-year initiatives to deliver differentiated value to our merchants, partners, and customers.
The Global Merchant and Network Capability Delivery team works to deliver digital products and services for merchants, network acquirers and issuers, and payment facilitators such as ATM/debit, point of sale authorizations & submissions, transaction pricing, disputes and settlement that meet the evolving demands of our global payment network. The wide range of solutions we develop enable the enterprise to attract new customers, operate in new markets, react to regulatory demands, and process new/emerging types of payments. A role on this team will challenge you to broaden your business solution design, agile product, data stewardship, quality assurance and operational readiness skills while incorporating an industry perspective in a collaborative, diverse and inclusive team environment.
The Senior Product Manager leads the strategy, roadmap, and execution for Merchant Non-Financial Data platforms, including Merchant Onboarding journey capabilities and the associated System of Record (SOR). This role drives scalable onboarding processes, controls, and validation checks across the Merchant lifecycle, ensuring data accuracy, integrity, governance, and regulatory compliance within the BFSI environment.
The role owns end-to-end product lifecycle management of the Merchant Non-Financial Data platform, ensuring robust onboarding workflows, standardized data capture, validation rules, risk checks, and operational controls are embedded within the platform. Operating within a highly matrixed environment, the role partners with senior leadership and multiple Lines of Business (LOBs) to influence enterprise-level decision-making.
Design and execute the capability roadmap supporting Merchant Onboarding journeys and Merchant Non-Financial Data platforms.
Define product vision, priorities, and policies impacting onboarding processes, data controls, and platform governance.
Ensure robust onboarding workflows, validation checks, and control frameworks are embedded within the non-financial data platform.
Balance short-term tactical enhancements with long-term strategic modernization of onboarding and System of Record capabilities.
Lead user-level product discovery sessions to define scalable, compliant, and customer-centric solutions.
Translate business requirements into scalable technical features, high-quality user stories, and structured data specifications.
Lead feature definition workshops, backlog grooming, and scope prioritization sessions.
Establish acceptance criteria, define test strategy, and author UAT cases to ensure quality and compliance.
Oversee data models, relational tables, entity relationships, APIs, data ingestion frameworks, and ETL processes supporting onboarding controls.
Ensure strong governance of the Merchant Non-Financial Data System of Record (SOR), including data integrity, lineage, reconciliation, and quality controls.
Identify technical and control gaps and partner with Technology and Data Engineering teams to mitigate risks using Scaled Agile methodologies.
Drive initiatives with full awareness of BFSI regulatory requirements, risk frameworks, compliance obligations, and audit readiness.
Maintain and monitor core critical metrics such as onboarding cycle time, control effectiveness, data accuracy, and platform reliability.
Serve as Subject Matter Expert (SME), conducting strategic and industry analysis to provide informed, competitive recommendations.
Interface with senior leadership and navigate matrixed environments to drive alignment and enterprise-level decisions.
Maintain open communication channels across Product, Technology, Operations, Risk, Compliance, and Governance.
Support governance and control processes for assigned product(s).
Operate effectively in ambiguity while proactively managing portfolio risks and dependencies.
Lead multiple direct reports with accountability for performance management, coaching, development planning, calibration, and broader people leadership responsibilities.
8+ years of Product Management experience, preferably in platform or data products.
Strong understanding of onboarding workflows, validation checks, control frameworks, and data governance within BFSI.
Strong understanding of data models, relational tables, entity relationships, APIs, data ingestion, and ETL processes.
Proven ability to convert business requirements into scalable technical features.
Strong command of the Product Management lifecycle with application of Scaled Agile delivery.
Experience working closely with Technology as integrated partners.
Ability to think globally and drive process standardization while adapting to regulatory or market-specific requirements.
Strong BFSI regulatory awareness with risk-informed product decision-making.
Strong people leader with experience managing multiple direct reports, performance management, coaching, development planning, and talent calibration.
Excellent communication, stakeholder management, and cross-functional facilitation skills.
Strong analytical, strategic thinking, and innovation capabilities.
Self-driven leader with proven ability to manage ambiguity, risk, and competing priorities.
Bachelor’s or Master’s degree in Computer Science, Engineering, Computer Applications, MBA or related quantitative field.
Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.
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.
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.
About the TeamWe 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
- 6% Company Match on retirement savings plan
- Free financial coaching and financial well-being support
- Comprehensive medical, dental, vision, life insurance, and disability benefits
- Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
- 20+ weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy
- 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
For a full list of Team Amex benefits, visit our Colleague Benefits Site.
Skills Required
- 8+ years of Product Management experience, preferably in platform or data products
- Strong understanding of onboarding workflows, validation checks, control frameworks, and data governance within BFSI
- Strong understanding of data models, relational tables, entity relationships, APIs, data ingestion, and ETL processes
- Proven ability to convert business requirements into scalable technical features
- Strong command of the Product Management lifecycle with application of Scaled Agile delivery
- Experience working closely with Technology as integrated partners
- Bachelor's or Master's degree in Computer Science, Engineering, Computer Applications, MBA or related quantitative field
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
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Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
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Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
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Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete beyond base salary.
American Express Insights
What We Do
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
