Vice President, US Collections - job 3 of 3

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

The Global Services (GS) is comprised of several interconnected business units which collectively provide service on a global scale, playing a central role in helping American Express achieve its vision of being the world’s most respected service brand. GS delivers extraordinary customer care to Card Members, merchants and commercial clients around the world, while providing world-class travel, credit, collections and fraud services. Each interaction is a chance to bring the brand to life for our customers and colleagues and help build on Amex’s reputation for trust, security and service.

About Global Credit & Fraud Operations (GCFO)

The GCFO organization at American Express plays a critical role to protect the company and enable growth through our global credit and collection teams. GCFO also drives exceptional customer experiences for Card Members at pivotal moments during their journey with American Express, including those related to new accounts, fraud, card replacements and remittances. The organization is comprised of several diverse teams: U.S. Credit & Collections, International Credit & Collections, Global Commercial Credit and Underwriting, Global New Accounts and Global Fraud.

About U.S. Credit & Collections (USCC)

As part of GCFO, USCC is responsible for the end-to-end management of our credit and collections operations across the US. USCC strives to strike the right balance between helping Customers in need through a range of repayment options, and taking actions to recover balances, and limit exposure for American Express.

About the Role

This position will be responsible for driving collections effectiveness and operational risk goals across the outside agency network.  In addition, this person will play a central role in driving consistency of best practices across the Outside Agency (OA) network around the globe, underpinning transformation, and will establish robust governance processes. This position will partner very closely with several functions within American Express such as: Global Banking, Compliance,  General Counsel's Organization, Technology, Credit & Fraud Risk teams, and number of subgroups within the Enterprise to drive overall alignment and effectiveness. This role will ensure 24 hours a day and 7 days a week global audit readiness in a highly scrutinized regulatory environment.

Responsibilities Include:

• Provide a clear, long-term vision for US Collections-Outside agency (OA) management team
• Transform and innovate our outside agency partner strategies and model
• Manage outside agency partners to optimize collections workstream, provide strategic direction, and ensure alignment with US collections priorities.
• Build and maintain strong, collaborative relationships with OA partners, fostering a culture of trust and accountability to drive performance.
• Partner with Credit and Fraud Risk teams to manage customer spend disruptions, collections rate and maximize business profitability.
• Minimize losses by optimizing collections effectiveness strategies and liquidation of recoveries inventory which directly impact company’s P&L.
• Lead teams of proprietary and non-proprietary collectors.
• Demonstrated leadership skills in a global, matrixed environment, with experience in leading geographically dispersed teams and outside agency network.

Key Skills & Requirements 

• 12+ years of leadership experience in related Credit operations/collections / Strategy OR financial services industry, preferably in US market.
• Strong understanding of the financial services or related industry – specifically collection effectiveness, recoveries, and operations.
• Strong relationship-building skills with proven ability to influence others to drive broad organizational change with internal and external partners. This role will require active collaboration with OA which will help AMEX with collections life cycle. Hence, the leader should build and maintain strong, collaborative relationships with OA partners, fostering a culture of trust and accountability to drive performance.
• Innovative thinking to simultaneously improve operational risk and collections effectiveness.
• Experience in developing and leading successful organizational change and key initiatives.
• Ability to identify industry trends and to constantly look for opportunities to benchmark other collections metrics, highlight opportunities to bring innovation and new ideas into American Express.
• High degree of agility, decision making and problem solving.
• Analytical experience to deal with complex business problems, evaluating alternatives and recommending solutions based on strong operational and financial acumen.
• Proven ability to provide flawless execution, manage performance while adhering to strict deadlines.
• Ensure we lead with a culture of Control Management and Compliance.

Salary Range: $185,000.00 to $260,000.00 annually + bonus + equity (if applicable) + benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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.

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. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

Employment eligibility to work with American Express in the U.S is required as the company will not pursue visa sponsorship for these positions

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