Manager - Accounts Receivable Controls

International Card Services (ICS) brings together our International Consumer and Small & Medium Size Enterprises (SME) issuing activities, as well as our Commercial Large Market sales and account development teams. ICS issues Cards in 27 countries, and is responsible for two Joint Ventures covering around a dozen countries. The leaders in these countries are empowered to make decisions at a local level, in partnership with other local business leaders. Local teams are supported by two cross-market teams – the Centre of Excellence, and Risk & Control Management.

American Express International Card Services (ICS) is a leading issuer and provider of Consumer and Commercial products and services across many countries around the world. The ICS Lending Center of Excellence (COE) team vision is to ensure each customer has access to flexible payment options, relevant rewards, and the powerful backing of American Express.

The Products & Partnerships team within the International Card Services Centre of Excellence (COE) defines and scales the product and partnership strategy across 23 international markets. The team drives transformation and sustainable revenue growth across International Lending, Small Business Services, Cobrand, Corporate, and Card Member product portfolios by building differentiated capabilities, advancing strategic partnerships, and delivering premium customer experiences, all underpinned by strong governance and product risk excellence.

As we continue growing our customer base, ICS Lending must ensure our customers and shareholders can realize maximum value. To support this agenda, we are seeking a colleague that can collaborate with multiple partners across numerous business units, functional areas, and geographies to:

• Work with product, risk, and marketing teams to enable long-term profitable growth: You will partner and collaborate with colleagues across international markets to ensure our lending products deliver on their promise to our customers.

• Drive Excellence across Product actions to grow our business: Design, lead, and operate effective controls across ICS Lending products. Delivering outstanding products for our customers and shareholders calls for operational excellence in everything we do.

• Actionable insights: Provide regular insights highlighting testing outcomes, business risks, and recommendations to further strengthen our processes.

• Communicate, build, and build relationships: Demonstrate a passion for building strong working relationships across regional and international partners (product, marketing, credit risk, insights, servicing, operational risk, technology, GCO, LOBCO) to deliver lending excellence. 

• Lead with a customer first approach, and one that is grounded with the external environment: You will have international experience, a customer-first approach, and do things the right way to help the international business excel.

• Develop and grow talent: Support the growth and development of your team and colleagues across the organization.

The incumbent will be responsible for:

• Developing a new set of controls to ensure AR Platforms operate as expected

• Identify potential gaps and the best controls to ensure AR Platforms are consistently compliant.

• Collaborate with different markets to ensure alignment with observed gaps.

• Monitor the closure of existing issues ensuring outcomes lead to a strengthened control environment.

• Collaborate, as needed, with third parties to review specific contractual obligations market by market and ensure consistent compliance.

• Collaborate with the Smart Monitoring team to develop relevant KRIs and alerts that can serve as controls.

• Produce code that can be the base of automatic / systematic controls.

• Relevant work experience in a high-growth product or risk management team.

• Strong project management skills with the ability to sift through data, find opportunities and update leadership teams as required.

• Ability to identify potential gaps in processes as well as the relevant controls to address them.

• Has shown to be a thoughtful leader that can work effectively across different teams.

• Experience of navigating multiple teams across the business.

• Ability to clearly document processes in a way that an audit trail is available.

• Strong analytical skills that enable the candidate to understand the economics behind different portfolios and the cost/benefit relationship of proposed changes.

Preferred Qualifications:

• A good understanding of the international product landscape across lending, charge, and loans.

• Able to forecast, plan, lead and implement innovative solutions that generate result.

Employment eligibility to work with American Express in the UK 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.