Senior Financial Analyst - job 4 of 12

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.

Our industry is rapidly evolving, and we need courageous, quick thinkers who can shape the strategic decisions that lead our business forward. Whether it’s negotiating with some of our largest global partners or creating next year’s financial plan, you can influence both our day-to-day P&L and the future direction of the company. As part of the team, you can have the opportunity to learn and use the latest data tools and technologies and explore a range of roles to grow your career. Find your place in finance on #TeamAmex. 

The Finance Data Science & Analytics (DS&A) team at American Express helps drive sustainable, long-term growth for the enterprise by empowering smarter, profitable, real-time investment decisions. We reinvent forecasting, tracking, and analytical processes, leveraging the latest tools and setting the standard for advanced analytics. This is an excellent opportunity for an individual to work with the leadership team, gain a deeper understanding of the AXP business and build key business relationships.

How will you make an impact in this role?

An analyst in this role will support the central ownership of CMV (Card Member Value) which drives the Enterprise investment allocation for all Prospect acquisitions. This will involve partnership across the Investment Optimization ecosystem (Marketing, Risk, Business Units Finance teams), the opportunity to perform critical sensitivity analyses, and working on analytical projects that influence how enterprise investment decisions are made.

Key responsibilities include:

• Maintain and leverage the Investment Optimization Card Member Lifetime Value (CMV) model to run different analyses and present conclusions to senior leaders.
• Continue to evolve the CMV model framework and adapt our funding strategy to the organization’s future needs.
• Support executing Project Newton initiatives and support driving forward future state of Investment Optimization.
• Collaborate with Finance, Risk, Marketing and Product teams to champion the CMV model framework and ensure alignment across different applications and valuation models (New Accounts, Line, Marketing).
• Own the central financial inputs of the CMV model and maintain consistency of these inputs provided to the Product and Risk teams in the organization.
• Support migration of forecasting financial metrics by leveraging big data languages.
• Complete and coordinate annual compliance reports and presentations related to the CMV framework. Attend compliance committees and partner with Business Unit Finance and Risk teams to complete compliance requests as needed.

Qualifications

• Demonstrate thought leadership, creativity and resourcefulness in generating solutions.
• Demonstrate strong financial and analytical skills. Detail-oriented with an ability to create and maintain financial and economic models.
• Analyze current processes and drive process mapping
• Strong communication skills with the ability to break down complex ideas into understandable and actionable messages.
• Ability to build relationships with and influence business partners using sound logic and analytics
• Solid understanding of financial statements, discounted cash flow valuation models and NPV financial frameworks. Understanding of card economics is preferred.
• Strong working knowledge of Excel and Power Point. Interest in data mining applications and programs (SQL, Python, Cornerstone).
• Experience with TM1 preferred.

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