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. U.S. Consumer Services is responsible for American Express’ suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, and best-in-class marketing programs. The team’s strategy is to build a strong premium Card business differentiated by Membership, which is brought to life by connecting our Card Members to what they love. VP of Pricing Strategy and Capabilities will serve as a critical leader within the U.S. Consumer product organization and will oversee our Card and Personal Loans pricing strategy. This leader will be responsible for determining how we use Pricing as a holistic tool to drive sustained portfolio growth - influencing both customer demand and engagement, while also maintaining balanced portfolio economics and margins. The team has responsibility for all customer-facing pricing constructs on new and existing products (including APR, fee and interest methodology), and works in close partnership with partners from product, risk, and marketing and technology to optimize key pricing programs. The team will be tasked developing a roadmap of pricing capabilities to ensure we enhance the customer experience and reduce operational complexity. Key Responsibilities: Deliver pricing strategies and capabilities to support new lending products and a pipeline of future enhancements to enable growth. Develop a roadmap to automate the execution of standard pricing changes to reduce time to market and improve quality. Lead acquisition pricing strategy and create an environment of continuous test and learn with keen awareness of the external environment. Partner closely with credit risk teams to use price as a lever for driving positive select and to maintain healthy portfolio margins. Create and enhance pricing business self-testing and process controls to maintain an assured lending business. Create and assess the feasibility of a pipeline of new pricing and lending ideas by working with partners across the enterprise. Partner with the Finance team to forecast the P&L impacts of pricing decisions as well as to deliver new pricing frameworks. Monitor and extract insights from the competitive & regulatory environment and assess impacts on pricing strategy across segments. Minimum Qualifications 10+ Years of professional experience in pricing or business/financial analysis or related discipline Tenured people leader with a growth mindset and a passion for coaching and team development Strong commercial acumen and proven ability to build effective relationships with business partners, peers and key stakeholders Strong strategic decision-making and influencing skills with ability to assess key decision levers, make recommendations and balance shareholder and customer objectives Excellent financial analysis and problem-solving skills with ability to translate complex financial terms into key insights with linkages to business strategy and objectives Excellent written and oral communication skills and proven ability to communicate effectively to audiences of all levels Strong organizational skills with the ability to meet critical deadlines and manage multiple projects simultaneously Knowledge of commercial payments industry & economics is advantageous Salary Range: $185,000.00 to $260,000.00 annually + bonus + equity (if applicable) + 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. US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: Depending on factors such as business unit requirements, the nature of the position, cost, and application laws, American Express may provide visa sponsorship for certain positions #J-18808-Ljbffr American Express

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