American Express

Senior Manager - Pricing

Posted On

Nov. 20, 2024

Location

Gurgaon, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

Feb. 2, 2025

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.

American Express Global Commercial Services (GCS) has a stated ambition to become the leading payments and working capital provider for Small and Medium Enterprise (SME) customers. This includes ensuring each customer has access to business-sized purchase capacity, flexible payment options, meaningful rewards and the powerful backing of American Express.

The Small Business Products & Blueprint organization supports this objective by developing compelling products, services and customer engagement strategies to meet small business owners’ funding needs. As part of this organization, the Business Line of Credit team has achieved a tremendous growth since its inception and is poised to continue in the next 3 years. The product is a key component of American Express’s ongoing efforts to innovate beyond the Card.

How will you make an impact in this role?

The Business Line of Credit (BLOC) Pricing Senior Manager will be responsible for owning the end-to-end strategy on portfolio pricing aimed at driving long-term profitability across the BLOC portfolio.

This role requires a blend of strong analytical skills, strategic thinking, and process management expertise to deliver a best-in-class pricing experience for our customers.

Core Responsibilities:

Own end-to-end price testing strategy to measure sensitivity and efficiencies in our current price offering.
Answer key questions/hypotheses by reading results and introducing new test parameters based on learnings to help optimize price points across the portfolio.
Understand our competitive positioning from benchmarking data and perform deep dive analysis to understand differences and areas of opportunity.
Implement an action plan to optimize price points to achieve the right balance of scale and margin in a moving interest rate environment.
Drive alignment with key stakeholders around price changes and profitability implications.
Refine pricing strategy across risk-based segments to improve engagement and increase portfolio profitability.
Track key metrics and share out performance updates with broader stakeholders and leadership.
Partner with operational excellence and compliance teams to ensure best-in-class processes, procedures, and ongoing monitoring of KRI’s/controls.
Manage and develop Sr. Pricing Analyst, fostering a culture in line with behaviors of the American Express Leadership model.

The ideal candidate has a proven history in Product/Risk/Finance/Analytics, knowledge of the small business segment, and a fluency in Lending economics and P&L management. Success will require a collaborative leader with the ability to work in a fast-paced environment leading strategic initiatives.

Minimum Qualifications

Strong analytical skillset with ability to build lending based financial models
Experience with data repositories (Tableau, SQL) and ad-hoc reporting
Ability to articulate complex statistical findings in an easy-to-understand way
Prior experience managing control governance and monitoring processes

Preferred Qualifications

Prior experience with lend products and understanding of underlying economics
Knowledge of small business customer needs/behaviors

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

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.

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