Senior Manager - US Consumer Personal Loans Pricing - job 1 of 9

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.

How will you make an impact in this role?

The U.S. Product Management & Lending organization is passionate about responsible lending! We strive to develop products and features that meet the evolving borrowing needs of our customers.

The US Consumer Personal Loans Pricing Strategy team sits within the US Product Management and Lending organization and plays a critical role in driving responsible lending growth for the US Consumer portfolio.

As a member of the US Consumer Personal Loans Pricing team, you will lead an Analyst to drive responsible lending growth. You will define the vision and roadmap for Personal Loans pricing. This position will work closely with key partners across various functions including Pricing, Product, Marketing, Finance, and Risk

Responsibilities: 

• Develop and test innovative pricing strategies for American Express Personal Loans that aim to grow the business while maintaining high credit profile.
• Analyze customer data, portfolio trends and industry dynamics to gather customer insights, inform price testing strategy and devise recommendations to accelerate revenue growth.
• Present insights and recommendations to secure senior leadership buy in and alignment.
• Form effective linkages with business partners in different functional areas including Product, Risk, Finance, Legal / Compliance, Public Relations, and Global Servicing.
• Lead strategic business initiatives, compliance and regulatory processes as required

Minimum Qualifications

• Strategic thought leadership with a passion for the customer and proven track record of driving results while managing multiple priorities simultaneously
• Strong analytical and problem-solving skills with the ability to leverage large data sets to inform business decisions; SQL, Python, and/or SAS experience are pluses
• Innovative thinker and creative problem-solver who constantly challenges the status quo
• Strong work ethic with an intense will-to-win and demonstrated personal excellence. Ability to handle high pressure environment with multiple requests and aggressive deadlines
• Ability to build strong relationships and collaborate across different functional teams across different levels of seniority
• Excellent written and oral communication skills with strong attention to detail
• Credit card or lending experience preferred
• Bachelor’s Degree and 6 years of professional experience required; MBA is a plus

Salary Range: $80,000.00 to $155,000.00 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 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 
• 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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Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.