American Express Careers

Senior Financial Analyst - EMEA Consumer Services Finance

London, United Kingdom

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Job Description


Do the right thing for our customers, our company and your career.  


The European Consumer business provides a range of card products to 11 proprietary markets across the continent; covering proprietary centurion line products and co-brand cards.


The Europe Consumer Finance (LFO) team works provides a broad spectrum of financial and portfolio analysis to support product and investment decisions. The level of exposure and insights to business challenges and opportunities is high and often demanding; requiring someone who strives to collaborate, challenge and influence business partners and provide analytical and value-add recommendations that have a real impact on business decisions, long-range strategy and overall company performance.


The Senior Financial Analyst position will provide financial support to the Europe Consumer business, across 4 main areas:

  • P&L Management

  • Deals, partnerships and new products

  • Investment Optimization

  • Portfolio/Cardmember Analytics


  • Provide high quality and value-added data analytics to influence strategic business decisions in the consumer business within Europe.

  • Build cost benefit/NPV analyses on key initiatives, new distribution deals, and co-brand re/negotiations.

  • Support the investment process, liaise and drive engagement with the business teams to ensure alignment, develop a robust investment pipeline, and ensure integrity in the investment submissions.

  • Track and monitor investment performance, influencing trade-offs and providing recommendations on the optimal allocation of investment funding.

  • Manage and support key financial performance processes such as month-end results analysis, risks and opportunity forecasting, yearly and long range planning.

  • Adopt an Enterprise mindset and bring visibility to the Blue Box P&L across the EMEA proprietary markets.

  • Continue to transform financial processes through report automation, creating new and utilizing existing dashboards to understand trends and deliver insights.

  • Work closely with Acquisition, Marketing, Controllership, Risk, Utilities, and other central Finance teams, providing them with market specific financial and commercial insights.


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




Required Skills:

  • Professional Finance or Accounting qualification (or part qualification) an advantage

  • Strong analytical skills, demonstrated ability to develop business cases, financial models, and senior leader level presentations

  • Excellent relationship building capability, able to influence others without having direct authority, combined with strong communication and presentation skills

  • Good understanding of payments industry and card economics; interest and experience with ROI and NPV modelling an advantage

  • Able to work with ambiguity, solve and explain complex problems and financial results efficiently to finance and non-finance audiences at different seniority levels

  • Ability to work independently under pressure, to meet deadlines, deliver results and manage multiple tasks without compromising quality

  • Strong commercial acumen, sense of personal excellence and accountability

  • Self-motivated, intellectually curious, open-minded in taking on new challenges

  • Proficiency in MS Office with strong Excel skills; knowledge of software such as SAS, Cornerstone, and Tableau preferred.


Why American Express?

There’s a difference between having a job and making a difference.


American Express has been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.


We’ve also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they’re ready to take on a new career path, we’re right there with them, giving them the guidance and momentum into the best future they envision.


Because we believe that the best way to back our customers is to back our people.


The powerful backing of American Express.

Don’t make a difference without it.

Don’t live life without it.


To complete your application please click on the links below. However, if you require any assistance with the completion of this process – or need any reasonable adjustments to be made – then please contact the Recruitment Team on or 00800 83 000038 (for Russia based candidates 810 800 83 000038).


ReqID: 19004431
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Mar 8, 2019, 12:41:20 PM
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