Senior Analyst - Pricing, Balance Transfer - job 3 of 4

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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.

How will you make an impact in this role?

U.S. Consumer Services is responsible for American Express’ suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, and best-in-class marketing programs. The team’s strategy is to build a strong premium Card business differentiated by Membership, which is brought to life by connecting our Card Members to what they love

The Lending and Pricing team within U.S. Consumer Services manages a suite of lending products and services including Plan It, Pay Over Time, Personal Loans, Line, MyCredit Guide as well as Pricing strategies and capabilities. The team’s strategy is to strengthen membership by winning a greater share of the borrowing needs of our premium customers.

This Senior Analyst role will report to the Director, U.S. Consumer Acquisition Pricing. This position will be responsible for developing and innovating new strategies around Balance Transfer and work closely with key partners across different functions and across different levels of seniority.  The Senior Analyst will also be responsible for enhancing reporting & monitoring of Balance Transfer, conducting deep data analysis for improving overall customer experience, creating new controls & documenting procedures to reduce operational complexity, ensure compliance with the applicable regulations, and support the company’s financial roadmap.

Job Responsibilities:

• Own Balance Transfer Infrastructure and its capability enhancement. Work with multiple stakeholders - Compliance, Control Management, Technology, Servicing, Finance & Product teams to ensure accuracy & reliability of the product offering.
• Setup robust data tracking & complaints monitoring to run an operationally assured business.
• Work with business partners to inform innovative lending and pricing strategies around Balance Transfer
• Perform competitive benchmarking by effectively leveraging qualitative and quantitative information. 
• Analyze customer data and lending portfolio trends to identify customer insights and revenue opportunities
• Present insights and recommendations to senior leaders to help shape lending strategy

 Qualifications:

• Ability to build strong relationships and collaborate across different functional teams across different levels of seniority
• Ability to drive multiple projects simultaneously and influence business partners to prioritize key initiatives
• Excellent data analytics and problem-solving skills with the ability to leverage large data sets to inform business decisions
• Hands-on expertise using statistical analysis and data manipulation software/tools (e.g. Python, SQL, and Big Data analytic techniques)
• Strong will-to-win, intellectual curiosity, drive to do what it takes to meet deadlines with a “can do” attitude
• Innovative thinker and creative problem-solver who is able and willing to challenge the status quo
• High quality written and oral communication skills

Salary Range: $55,000.00 to $105,000.00 annually + bonus + 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.

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If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

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