Financial Analyst

Job 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 International Card Services (ICS) Finance team provides strategic and financial decision support to enable accelerated growth across the ICS business.

The ICS COE LFO - Finance Analyst 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.

The analyst will be responsible for activities, such as financial analysis of our existing cardmember base and detailed financial sizing of new card products, product refreshes, lending capabilities, or customer treatments.

The Finance Analyst will play a pivotal role that will support the International Consumer Lending leadership team as well as market business and finance teams with the goal of driving profitable lending growth.

This role has significant exposure to senior leaders across ICS and finance. The analyst should be a dynamic individual who has strong critical thinking, superior analytical skills, experienced in team management, and has the right ambition to inspire change.

The role will have a remit not limited to product finance but across ICS spanning Acquisition, Customer marketing, pricing, risk, and all products/segments running LFO duties for COE organization.

How will you make an impact in this role?

• Provide consultative decision support on new product development, alternative lending constructs, product refresh, and business transformation projects to enable profitable lending growth in international markets.
• Develop quantitative data analysis and provide recommendations to drive optimal decisions for the International Consumer Lending portfolio.
• Manage non-card personal loans portfolio with a focus on scaling and expanding to new markets.
• Inform pricing strategy decisions by providing thought leadership and ensuring consistency in business cases for repricing and other price changes across markets.
• Build relationships with business partners, influencing decisions with sound logic & financial analysis.
• Maintain acquisition vintage reporting to inform lending strategy across international markets.
• Work closely with central lending, local markets and risk to enhance profitability at product & account level.
• Create cost-benefit analyses for new lending capabilities and alternative lending constructs.
• Build relationships across finance and business teams to facilitate decisions.
• Contribute to the ongoing development of data infrastructure to make financial decisioning seamless for stakeholders.

Minimum Qualifications

• Strong financial analysis skills including financial modelling from large amount of financial data, reporting, and problem solving
• Self-starter with intellectual curiosity, initiative, and strong work ethic
• Excellent communication skills, comfortable interacting with all levels of the organization
• Ability to manage multiple projects simultaneously while adhering to time sensitive deadlines
• Knowledge of card economics essential; familiarity with lending economics advantageous
• Experience with TM1, IDN and/or Cornerstone and ability to work with complex data
• Strong working proficiency of Excel, Word, PowerPoint required
• Passionate focus on the customer; demonstrated desire to understand and solve for customer needs and difficulties while balancing P&L impacts.
• Capacity to remain calm and flexible under pressure and deliver in tight deadlines
• SQL experience not required but preferred and candidate is expected to learn quickly
• Bachelor's degree or equivalent work experience is required

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
• 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.