Sr Manager, Co-Brand Risk Management

American Airlines; Fort Worth, Northern (TX, KY); On-site; USD 150,000 - 230,000; Full time

Benefits offered by this job

Travel perks

Health benefits

Wellness programs

401(k) contributions

Employee discounts

Job summary

American Airlines is seeking a Sr Manager, Cobrand Risk Management to lead the cobrand credit card program's risk governance and strategy. You will partner with Citi and Mastercard, shaping program direction and driving analytics for senior executives.

You will develop multi‑year risk, performance, and growth strategies, guide forecasting models, and mentor a high‑performing team while establishing strong governance across the Cobrand program.

Qualifications

• Bachelor’s degree in Business, Finance, Economics, or related field.
• 7+ years of experience in risk management with a credit card issuer.
• Deep understanding of credit card industry and competitors’ products.
• Ability to lead complex analyses and deliver executive insights.
• Strong analytical and project management skills.
• Excellent communication and presentation abilities.

Responsibilities

• Drive long‑term strategic vision for Cobrand Risk Management across card products.
• Lead multi‑year risk, performance, and growth strategies at VP/SVP levels.
• Assess risk impact, review partner strategies, and serve as thought leader on trends.
• Partner with Finance, Loyalty, Network Planning, Revenue, Legal to shape direction.
• Develop analyses and strategic recommendations for executive leadership.
• Build relationships with external partners to align risk appetite and goals.
• Oversee initiatives evaluating portfolio health, customer behavior, profitability, risks.
• Guide forecasting models, scenario analyses, and risk assessments.
• Lead and develop a high‑performing team with governance frameworks.
• Oversee enterprise initiatives and business cases shaping partnerships.

Skills

Risk management

Credit card industry

Data analysis

Executive reporting

Forecasting

Stakeholder management

Power BI

Tableau

Leadership

Education

Bachelor's degree

Tools

Power BI

Tableau

Job description

Location:DFW Headquarters Building 8 (DFW-SV08)
Cities:Fort Worth - TX
Requisition ID:88343

Job Description

Intro

Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you’ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you’ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board!

Why you'll love this job

The Sr Manager, Cobrand Risk Management leads the long‑term strategy, performance optimization, and risk governance for American’s Cobrand credit card program, which is one of the largest in the world, and managed in partnership with Citigroup. The leader in this role partners closely with senior executives and external partners (e.g., Citigroup, Mastercard) to shape program direction, drive analytical insights, and influence major strategic decisions. You will also provide leadership across complex initiatives and develop the frameworks, talent, and capabilities that elevate Cobrand risk management across the organization.

What you'll do

As noted above, this list is intended to reflect the current job but there may be additional essential functions (and certainly non-essential job functions) that are not referenced. Management will modify the job or require other tasks be performed whenever it is deemed appropriate to do so, observing, of course, any legal obligations including any collective bargaining obligations.

• Drive the long‑term strategic vision for American’s Cobrand Risk Management strategy across its portfolio of credit card products , ensuring alignment with enterprise commercial priorities and partner objectives
• Lead the development of multi‑year risk management, performance, and growth strategies across the Cobrand ecosystem, influencing decision‑making at the VP and SVP levels
• Assess risk decisioning and impact to Cobrand performance through reviewing partner new account strategy, account management strategy and non‑scoring modelsServe as the primary thought leader on emerging trends, competitive dynamics, and risks impacting Cobrand partnerships
• Partner with senior executives across Finance, Loyalty, Network Planning, Revenue Management, and Legal to shape the future direction of American’s Cobrand programs
• Develop and present complex analyses and strategic recommendations to executive leadership, translating insights into clear actions that drive portfolio performance
• Build and maintain strong relationships with external partners to align on risk appetite, performance expectations, and long‑term strategic goals of the cobrand program
• Oversee high‑impact analytical initiatives evaluating portfolio health, customer behavior, program profitability, and exposure to risks
• Guide teams in developing advanced forecasting models, scenario analyses, and risk assessments to support strategic planning and partner negotiations
• Lead, mentor, and develop a high‑performing team while establishing best‑in‑class processes and governance frameworks for Cobrand risk management
• Oversee complex, enterprise‑level initiatives and business cases that shape major partnership decisions and drive operational excellence across

All you'll need for success

Minimum Qualifications- Education & Prior Job Experience

• Bachelor’s degree in Business, Finance, Economics, or a related field.
• 7+ years of experience in risk management with a credit card issuer.
• Comprehensive understanding of the credit card industry and direct competitors' products and services.
• Proven ability to lead complex analyses, validate assumptions and deliver executive‑level insights.
• Strong analytical and project management skills.
• Excellent communication and presentation abilities.

Preferred Qualifications- Education & Prior Job Experience

• Experience in credit strategic planning, financial analysis, and partnership management.
• Familiarity with cobrand credit card programs and strategic alliances.
• MBA or advanced degree in a related discipline.
• Experience developing content for senior leadership or board‑level audiences.

Skills, Licenses & Certifications

• Strategic thinker with strong problem‑solving skills and business acumen.
• Deep understanding of current and emerging partnership ecosystems and long‑term value creation.
• Exceptional communication and stakeholder engagement skills.
• Skilled in performance analysis, forecasting, and executive reporting.
• Proficient in Microsoft Office Suite and data visualization tools (e.g., Power BI, Tableau).
• Adaptable leader with a focus on continuous improvement and team development.

What you’ll get

Feel free to take advantage of all that American Airlines has to offer:

• Travel Perks: Ready to explore the world? You, your family and your friends can reach 365 destinations on more than 6,800 daily flights across our global network.
• Health Benefits: On day one, you’ll have access to your health, dental, prescription and vision benefits to help you stay well. And that’s just the start, we also offer virtual doctor visits, flexible spending accounts and more.
• Wellness Programs: We want you to be the best version of yourself – that’s why our wellness programs provide you with all the right tools, resources and support you need.
• 401(k) Program: Available upon hire and, depending on the workgroup, employer contributions to your 401(k) program are available after one year.
• Additional Benefits: Other great benefits include our Employee Assistance Program, pet insurance and discounts on hotels, cars, cruises and more

Feel free to be yourself at American

From the team members we hire to the customers we serve, inclusion and diversity are the foundation of the dynamic workforce at American Airlines. Our 20+ Team Member Business Resource Groups are focused on connecting our team members to our customers, suppliers, communities and shareholders, helping team members reach their full potential and creating an inclusive work environment to meet and exceed the needs of our diverse world.

Are you ready to feel a tremendous sense of pride and satisfaction as you do your part to keep the largest airline in the world running smoothly as we care for people on life’s journey? Feel free to be yourself at American.

Cities:Fort Worth - TX
Requisition ID:88343