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Description

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 US Lending Product LFO team provides strategic and financial analysis to help develop the right products, lending capabilities, and customer treatments that grow our share of spend and lend in the marketplace. We achieve this goal through a broad set of activities, such as deep financial analysis of our existing cardmember base; analysis of the industry and specific competitors; and detailed financial sizing of new card products, product refreshes, lending capabilities, acquisition offers, or customer treatments. We rely on strong cross-functional collaboration with the product, marketing, pricing, risk, and finance teams for the US Consumer Services business. This is a high visibility role with a focus on some of the most important initiatives in one of the largest segments of American Express.

This key role provides Product LFO decision support to the US Consumer Product team across Personal Loans, Cashback products, Legacy portfolio, and Alternative Lending. The candidate will lead forecasting of Personal Loans AR and interest income as well as perform analytics to unlock financial insights around delivering on our Non-Card and Card profitability and growth goals.

How will you make an impact in this role?

• Lead forecasting of Personal Loans AR and interest income

• Create financial analyses for initiatives such as product refreshes, new lending capabilities, strategic growth initiatives, and profitability analyses of the portfolio

• Quickly and accurately model the financial outcomes of key cardmember behaviors using large account-level data sets

• Proactively work with business partners and finance leadership to identify critical business questions and frame analyses accordingly

• Develop actionable recommendations on strategic questions at hand, effectively communicate complex ideas, and actively seek to drive the strategy of the business

• Develop and maintain strong relationships with partners in Product, Marketing, Risk, Pricing, Finance and other functions

Minimum Qualifications

• Undergraduate degree required and 1-3 years of relevant work experience

• High level of proficiency in Excel and PowerPoint

• Ability to articulate complex ideas with brevity, simplicity and impact

• Flexibility to effectively function in a fast-paced environment, high energy team player

• Excellent communication skills with an innate ability to interact at all levels of the organization

• Confidence to ask questions, develop a point of view, and voice an opinion in meetings with senior executives

• Motivated self-starter able to operate on multiple, confidential, diverse fronts simultaneously, with attention to detail

• Natural strategic mindset or “business intuition” – ability to step back from the numbers and consider the analysis from multiple points of view, decision analysis and support skillset required

Preferred Qualifications

• Experience with SQL and/or SAS preferred

• Strong understanding of card economics, with an emphasis on lending dynamics

Qualifications

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

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.

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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Job: Finance

Primary Location: US-New York-New York

Schedule Full-time

Req ID: 24007549