American Express Careers

Analyst / Sr Analyst, Global Consumer Lending - Int'l Pricing & Analysis

Toronto, Canada
Digital Commerce Marketing

Job Description

Analyst / Sr. Analyst, Global Consumer Lending – International Pricing & Analytics
A thriving Lending Business is core to the success of American Express and achieving its growth aspirations.  The Global Consumer Lending vision is to be a growth engine that supports spend-to-lend customer behavior strategy across markets.
The International Pricing & Analytics team is responsible for driving revenue growth and improved profitability across International Lending, both from the existing portfolio and newly acquired customers.  The team leads pricing and yield management strategies by developing robust business analysis, identifying growth opportunities, collaborating  with business partners, executing  “test and learn” tactics and deploying new capabilities across American Express international markets, while focusing on operational excellence and adherence to all local regulatory guidelines.
This role provides an excellent opportunity to interface with Lending teams across international markets and partner with GCO, Operational Risk, Marketing Capabilities, Finance, Technologies, Risk, etc. to deliver profitable growth.
  • Drive strategic analysis across international markets to inform pricing policies and identify revenue generating opportunities
  • Execute quantitative analyses to diagnose, inform and validate customer behavioral assumptions on Lending products by segment
  • Work with multiple business & technical teams to deploy strategies that grow Amex’s rightful share of lend, perception of lend, profitably expand eligibility of products & customer treatments and increase customer engagement - while improving customer experience
  • Develop and maintain tracking of key performance metrics related to contribution margin of lending business across markets
  • Work with multiple business & technical teams to deploy new capabilities that enable innovative lending strategies, simplify processes and improve customer experience
  • Fully understand market regulations and ensure strategies are 100% compliant with policies and legislation


  • Strong quantitative and analytics skills (advanced degree in economics, statistics or related field) to support decision-making rigor
  • Ability to utilize financial, credit bureau and behavioral data to develop business insights shaping growth strategies and initiatives
  • Understanding of  lending products’ economics, pricing principles and key levers of profitability
  • Strong relationship, communication and influence management skills
  • Proficiency in SAS, SQL, Hive, R or Python is considered A PLUS
  • Experience working with International markets and knowledge of Amex AR platforms is considered a PLUS

ReqID: 18008845
Schedule (Full-Time/Part-Time): Full-time