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 Commercial Lending & Product Analytics organization supports this objective by developing compelling products, services and customer engagement strategies to meet small business owners’ funding needs.
How will you make an impact in this role? The incumbent will be part of the SBS Card Pricing team within the Commercial Lending & Product Analytics organization. This role is focused on delivering data-driven pricing insights that inform strategy and drive business outcomes across the Small Business Services (SBS) card portfolio.
The individual will lead core pricing analytics, including segmentation, KPI development, and strategic analysis to identify opportunities and optimize pricing decisions. A key component of the role is building and maintaining a structured competitive intelligence framework to track market dynamics, competitor pricing, fee structures, and product innovations.
This role requires a strong analytical mindset, the ability to solve complex and unstructured problems, and the capability to translate data into clear, actionable business recommendations.
The role will partner closely with cross-functional teams including Risk Management, Finance, Technology, Legal, Compliance, Testing, and broader SBS Product teams.
This position reports to the Director, SBS Pricing.
Responsibilities- Lead monthly pricing MIS reporting, leveraging Tableau/Power BI and SQL/SAS to deliver clear, actionable insights to leadership and partners
- Develop and maintain pricing KPIs and dashboards to monitor portfolio performance and inform decision-making
- Identify pricing optimization opportunities through segmentation, trend analysis, and deep dives into customer and product performance
- Generate strategic recommendations to enhance pricing positioning, profitability, and competitiveness
- Build and manage a competitive intelligence framework, tracking market trends, competitor actions, fee structures, and product innovations
- Translate complex analyses into clear business narratives tailored to both technical and non-technical stakeholders
- Partner with Pricing, Risk, Finance, and Product teams to design and implement pricing strategies
- Collaborate with Consumer Pricing teams to evaluate and adapt relevant initiatives for SBS
Minimum Qualifications:
5+ years of experience in analytics, pricing, or data-driven strategy roles
Strong data manipulation and analysis skills using SQL (experience with Python is a plus)
Proficiency in data visualization tools such as Tableau or Power BI
Demonstrated ability to solve complex, ambiguous business problems with structured, analytical approaches
Strong business acumen with the ability to balance strategic, financial, and customer considerations
Excellent communication and storytelling skills, with the ability to simplify complex analyses
Proven ability to work effectively in a highly collaborative, matrixed environment
Strong project management skills with attention to detail and ability to manage multiple priorities
Preferred Qualifications:
Bachelor's degree or equivalent work experience
Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain positions.
About UsAt 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 our 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.
About the TeamWe 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.
Skills Required
- 5+ years of experience in analytics, pricing, or data-driven strategy roles
- Strong data manipulation and analysis skills using SQL
- Proficiency in data visualization tools such as Tableau or Power BI
- Ability to solve complex, ambiguous business problems
- Strong business acumen and communication skills
- Proven ability to work in a collaborative, matrixed environment
- Strong project management skills
- Bachelor's degree or equivalent work experience
American Express Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about American Express and has not been reviewed or approved by American Express.
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Healthcare Strength — Pay is often viewed as attractive when combined with comprehensive health, dental, and vision coverage that supports day-to-day needs. The benefits package is also framed as especially helpful for those supporting dependents.
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Retirement Support — Retirement benefits are positioned as a meaningful part of total rewards through a 401(k) plan with company matching. Financial wellness services and coaching are also highlighted as strengthening longer-term financial security.
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Leave & Time Off Breadth — Paid time off is repeatedly characterized as generous and a valued component of the overall package. Time off and flexibility are presented as helping the total rewards feel more complete beyond base salary.
American Express Insights
What We Do
At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly striving to uphold our powerful backing promise to our customers and each other every day. These beliefs have been our North Star for 170 years as our business transformed – from helping evacuate travelers during World Wars, to ensuring the safety of our customers’ funds during the Great Depression in the U.S., to creating the Shop Small® movement to help small businesses recover from the Financial Crisis, to providing aid to communities impacted by many natural disasters and so much more. For generations, the key to our success has been the determination and resilience of our American Express colleagues. Now, as a globally integrated payments company, we work together to provide customers with access to products, insights and world-class experiences that enrich lives and build business success. Join us and let’s lead the way together.
