Financial Analyst

American Express; Greater London; On-site; GBP 60,000 - 90,000; Full time

Job summary

American Express in London is seeking a Financial Analyst within the IC FP&A team to lead analytical projects across P&L verticals, develop insightful analyses, and improve forecasting models. The role requires strong modelling, analytical rigour, and excellent communication with senior stakeholders.

Based in London, you will partner with LFO teams, Controllership, and Risk & Rewards Finance to drive planning and provide decision-ready insights for IC leadership.

Qualifications

• Strong analytical skills with experience in big data and GenAI tools.
• Proven financial analysis and modelling to support senior management decisions.
• Solid understanding of P&Ls and card economics.
• Excellent communication and storytelling with data.
• Self-motivated, curious, and capable of working on complex projects under pressure.

Responsibilities

• Lead analytical workstreams for high-priority transformation projects across Account Margin.
• Produce performance analyses for Finance and Leadership, identifying insights and risks.
• Develop and improve forecasting models, leveraging GenAI tools.
• Collaborate with IC LFO teams to integrate strategic insights.
• Own financial analysis for IC Account Margin and support annual / long-range planning.

Skills

GenAI tools

SQL

Hive

Power Automate

TM1

P&L analytics

Big data

Tools

Cornerstone

Lumi

ChatGPT-Claude

Python

TM1

Job description

Job Description

The Finance Organization drives business value by being a strategic partner in every decision made in support of the Company’s success. We bring a powerful combination of financial expertise, a deep understanding of complex analytics, a thorough knowledge of the risk environment, and a commitment to upholding the highest standards of financial integrity.

The Finance Organization drives business value by being a strategic partner in every decision made in support of the Company’s success. We bring a powerful combination of financial expertise, a deep understanding of complex analytics, a thorough knowledge of the risk environment, and a commitment to upholding the highest standards of financial integrity.

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 International Card Services (ICS) FP&A team leads the end‑to‑end forecasting and financial planning processes for the IC segment, providing decision support to Senior Finance leaders by producing P&L reports and analyses, bringing forward analytical insights, and carrying out thorough financial planning. Delivering on these key goals requires high levels of analytical rigour, financial thought leadership, knowledge of the P&L, strong collaboration across teams, and relationship‑building skills.

Based in London, the Financial Analyst (FA), Account Margin Vertical role will face off multiple stakeholders across BU FP&A, Market & Central Lead Financial Officer (LFO) teams, Investment Optimization (IO), Controllership, Risk and Rewards Finance teams. The main focus of the role will be leading analytical projects across P&L verticals, developing insightful financial analyses and frameworks, improving forecasting and planning models, and preparing and presenting materials for IC Finance & Business Leadership. This is a high‑visibility role with exposure to senior leaders across different Finance teams. As such, the ideal candidate must possess excellent analytical and modelling skills, strong communication and relationship‑building skills, and the ability to collaborate seamlessly with colleagues across organization.

Responsibilities

• Lead the analytical workstream of multiple high-priority transformation projects spanning across Account Margin vertical (including but not limited to: CoCMS, Card Fees, AIF/CIF), leveraging P&L, Product and Cardmember-level data to derive insights, and improve visibility and accuracy of forecasting models
• Produce insightful and valuable performance analysis for Finance and Business leadership, focusing on identifying key insights and risks/opportunities across Fee Revenue sources and COCMS benefits costs
• Develop and improve financial forecasting models, all with a continuous analytical focus on influencing decisions at the appropriate level leveraging GenAI tools.
• Work across the organization, linking with key partners across IC LFO teams to incorporate strategic insights and local knowledge into long term analytic processes.
• Own the financial analysis for IC Account Margin and collaborate with LFO partners to understand market and product financial performance drivers that support IC outlook process, as well as supporting the Annual and Long-Range planning processes.

Qualifications

• Excellent analytical skills, including extensive use of big data / GenAI analytical tools (Cornerstone/Lumi/SQL/Hive/ChatGPT-Claude/PowerAutomate/Pyton) and P&L analytics (TM1)
• Financial analysis and modelling skills, with proven ability to drive analytical output aimed at identifying trends, developing key insights, and required decisions for senior management
• Solid understanding of P&Ls and of card economics
• Strong communication skills and an ability to story tell through data
• Highly motivated and intellectually curious, with desire to work on ambiguous and complex projects
• Solid collaboration and relationship building skills
• Flexibility to deal with change in a fast‑paced environment, enthusiastic and able to perform under pressure to meet deadlines with a positive attitude and a willingness to learn

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