Analyst - Advanced Lending Economics

American Express; London; Hybrid; GBP 40,000 - 65,000; Full time

Job summary

Join American Express as a Pricing Analyst where you'll drive strategic analyses across international markets, optimize pricing strategies, and enhance lending revenue. This role involves strong quantitative analysis and collaboration with cross-functional teams. A strong background in finance and business insights is essential for driving decision-making and growth strategies.

Benefits

Competitive base salaries

Bonus incentives

Comprehensive medical, dental, and vision insurance

Flexible working model

Generous paid parental leave policies

Free access to global wellness centers

Career development and training opportunities

Qualifications

• Strong quantitative and analytics acumen to support decision-making.
• Ability to utilize financial and behavioural data for insights.
• Solid understanding of lending products and profitability levers.

Responsibilities

• Execute strategic analysis across International markets for pricing.
• Work with business teams to optimize pricing and revenue.
• Develop and maintain forecasting tools for lending metrics.

Skills

Quantitative analysis

Communication

Organizational skills

Education

Bachelor's Degree

Tools

Hive

SQL

Job description

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. As part of Team Amex, you'll experience this 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.

International Card Services (ICS) brings together our International Consumer and Small & Medium Size Enterprises (SME) issuing activities, as well as our Commercial Large Market sales and account development teams outside of the United States under a single organization to accelerate our growth.

How will you make an impact in this role?

• Execute strategic analysis across International markets to inform Pricing strategies identify revenue generating opportunities
• Partner with colleagues across markets and business units to address pricing challenges or evaluate promotional campaigns.
• Work with multiple Business & Credit Risk partners to optimize Pricing and Line to drive profitable ADB and Revolve Rates.
• Support Leadership and markets with delivery of new Pricing and Line capabilities and features.
• Work with multiple business & technical teams to develop/optimize Pricing strategies across ICS markets to grow Lend revenue.
• Conduct performance tracking of deployed initiatives and develop proposal for enhancements.
• Execute quantitative analyses to diagnose, validate and inform drivers behind revolve rate trends
• Develop and maintain forecasting tools of key lending metrics to support business planning

Minimum Qualifications:

• Strong quantitative and analytics acumen to support decision-making rigor.
• Demonstrates ability to utilize financial, credit bureau and behavioural data to develop business insights shaping growth strategies and initiatives.
• Solid understanding of the economics of lending products and key levers of profitability
• Excellent verbal, written communication, and interpersonal skills
• Self-Starter with strong organizational skills
• Bachelor's Degree Required

Preferred Qualifications:

• Proficiency in Hive and SQL

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.