Job Description

The Opportunity

Help small business owners and entrepreneurs grow through the power of payments and value-added services. You will shape the strategy for our Business Card portfolio and work with a broad network of internal teams and external partners to turn customer insights into differentiated products, services and business outcomes. This is an opportunity to combine analytics, strategy, creativity and execution - and to see your ideas move from concept to market.

Role Purpose

Strengthen the customer value proposition and competitiveness of the Business Card portfolio and contribute to sustainable portfolio growth. The role identifies growth opportunities through customer, market and data insights, and leads product strategy, service and partner development, and cross-functional initiatives from concept through execution.

Responsibilities

Key Responsibilities

• Develop product and portfolio strategies and priorities based on customer, market, competitor and usage insights.
• Identify opportunities across new products, value propositions, benefits, services and customer experience; build business cases and drive execution.
• Explore external partners and design, negotiate and deliver partnership models that create customer value and commercial impact.
• Lead cross-functional initiatives with Marketing, Sales, Digital, Operations, Finance, Risk and Compliance, Technology and other teams.
• Monitor key KPIs and portfolio performance, translate findings into clear implications and actions, and communicate recommendations to senior stakeholders.
• Address day-to-day product issues and inquiries, identify root causes, and drive sustainable operational improvements.
• Partner with local and global stakeholders, representing Japan market needs while leveraging global insights and capabilities.

What You Will Gain

• End-to-end business experience across customer value, economics, brand and operations.
• The opportunity to turn data and customer insight into strategy, launches and continuous improvement.
• Experience influencing diverse internal experts, external partners and global teams.

Qualifications

• Strong analytical and structured problem-solving skills, with the ability to turn quantitative and qualitative information into recommendations and action.
• Demonstrated experience moving complex projects forward by aligning multiple stakeholders and managing priorities in an evolving environment.
• A customer-first and commercially minded approach, with a strong sense of ownership for results.
• Excellent communication skills in Japanese, plus the willingness and practical foundation to collaborate with global stakeholders in English.
• Proficiency in Excel and PowerPoint for analysis and executive-ready communication.

Preferred Qualifications

• 3+ years of experience in one or more of the following: product management, marketing, business planning, business development, strategy or consulting.
• Experience in financial services, payments, cards, FinTech, SaaS, platforms or B2B services.
• Knowledge of product economics, unit economics, P&L, pricing or portfolio management.
• Experience in alliances, partnerships, commercial negotiations or joint propositions.
• Experience improving products or services through customer research, data analysis, experimentation or KPI design.
• Experience conducting meetings, presentations or written communication in English.

What Success Looks Like

• You ask insightful questions and build a deep understanding of customers and the market.
• You combine strategic thinking with hands-on execution and follow through to outcomes.
• You influence through trust, respect different perspectives and bring others with you.
• You learn quickly, adapt to change and make progress even when the path is not fully defined.
• You act with integrity and pursue the right outcomes for customers, colleagues and the company.

About Us

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 Team

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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.