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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

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?

Global Commercial Services (GCS) is the leading payment issuer and partner for businesses with products and services that help them grow and run their businesses. The GCS Product Analytics team plays a pivotal role within the GCS Products organization by utilizing advanced analytics and statistical methodologies to drive deep insights into client behavior. Our mission is to inform and shape product strategies and deliver connected, personalized experiences that foster deeper client engagement and drive sustainable, profitable growth.

• Within GCS Product Analytics, the Small Business Card Spend & Lend Capacity Analytics team endeavors to benefit the Small Businesses by delivering actionable data-based insights that enable strategic decisions.

The Senior Analyst:

• Card Capacity Analytics, will be responsible for building new analytical data assets and generating valuable insights using advanced statistical and analytical techniques that accelerate the growth of our SBS card portfolio and deepen card engagement. This role represents a unique opportunity to apply quantitative skills to influence business strategy and requires good relationship management skills to partner with multiple stakeholders. The ideal candidate will bring a unique balance of technical skills combined with a strategic mindset and the ability to communicate effectively.

Key Responsibilities:

• Partner cross-functionally with Product, Risk Management, Marketing, and Finance teams to provide analytical input in supporting product strategic decisions and evaluating SBS Card spend and lend feature performance
• Utilize advanced analytics in analyzing customer usage data across SBS Card products to drive in-depth understanding of how customers engage with SBS Card products, identify areas of product friction, improve customer experience, deepen spend and lend engagement and drive customer value
• Build behavior and financial based portfolio segmentation and develop segment-based treatment strategies in partnership with cross-functional partners; measure test campaign results and continuously apply learnings.
• Develop expertise of SBS charge and lend data sources and metrics, leverage new data sources/intelligence and create data dictionaries / metric definitions to understand and analyze our SBS Card customer base
• Build automated self-service Tableau dashboards tracking SBS charge and lend performance, perform ad hoc analysis for portfolio performance tracking, monitor variance from actuals across drivers and understand associated drivers, and communicate results across teams

Critical Factors to Success:

• Strong analytical skills and initiative in tackling complex business analysis; Ability and desire to dive deeply into data, relentlessly pursuing its meaning and how these insights can drive business performance
• Good understanding of the card economics. Experience in credit risk functional processes and/or marketing and product analytics is a plus.
• Prior experience building sustainable data assets using cloud-based analytical tools, querying languages, and visualization software (e.g., SQL, Python, Databricks, Tableau)
• Familiarity with statistical methods and concepts
• Team player with proven ability to influence and collaborate across all parts of an organization
• Excellent written and verbal communication skills with the ability to explain technical concepts and analytics-driven findings to non-technical stakeholders

Minimum Qualifications

• Bachelor’s degree required and master’s degree preferred in following areas: Statistics, Economics, Mathematics, Engineering, Business, Finance, Computer Science, or related quantitative fields.
• 2+ years professional experience driving performance optimization through the application of advanced decision sciences.
• Hands-on expertise using statistical analysis and data manipulation software/tools (e.g. SAS, SQL, and Big Data analytic techniques).

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

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.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.