Senior Manager Business Deposit Pricing - job 2 of 3

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.

The U.S. Consumer Services Team is responsible for our 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, U.S. Consumer Banking, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day. The Consumer Banking Organization’s mission is to become essential to American Express Members’ lives by providing Everyday Banking products with unparalleled value, service, and convenience. Our Member deposits represent the largest source of funding for American Express, and a key strategic priority is to continue to grow our portfolio of cost efficient, resilient deposits. The Deposit Pricing team is an enterprise center of excellence, responsible for all American Express deposit products. This team works closely with colleagues across both the Consumer and Business Banking teams. The mission of the Business Banking team within GCS is to create banking products that are the best choice for our small business customers. 

The Senior Manager, Business Deposit Pricing Analytics will be a critical part of this team responsible for managing interest rates on American Express’ checking, savings and CD products.  This role will focus on our business deposit product pricing, combining customer and portfolio analysis, competitive insights, and macroenvironmental and monetary policy trends to inform pricing strategies, as well as playing a key role in supporting inputs to the deposit product roadmap. The Senior Manager will also execute pricing decisions and ensure alignment with our pricing governance approach.     

Key responsibilities include: 

• Analyze customer balance flows, behaviors, and portfolio segmentation to assess balance sheet impacts and inform interest rate recommendations, and present key findings to leadership
• Lead data-driven analytical efforts to unlock price elasticity learnings and structure price testing
• Implement pricing changes with a focus on achieving Operational Excellence
• Manage, prepare and present materials in recurring Deposit Pricing Forum, to review insights on portfolio, competitive, and macroeconomic trends
• Perform analyses on new product pricing constructs to support portfolio optimization and broader Membership strategy and value proposition
• Lead ongoing identification and monitoring of relevant competitive peer set across products
• Source market pricing and benchmarking data from vendor partnerships and external channels, and research promotional campaign activity and macroeconomic indicators
• Complete ad-hoc analyses as needed

Minimum Qualifications:

• 3+ years in quantitative roles such as Pricing, Product/Marketing Analytics, or Financial Analysis
• Prior experience in Deposit Pricing or Product Management (preferred)
• Proficient with data processing and statistical analysis tools such as SQL or SAS
• Adept at data visualization using Microsoft Excel; experience with Tableau is a plus
• Excellent presentation skills and ability to translate data into insights that drive recommendations
• Strong financial acumen, attention to detail, and analytical, modeling, and problem-solving skills
• Intellectual curiosity in Banking and Financial Services, fostering an external perspective
• Exceptional interpersonal and collaboration skills with the ability to work with partners across different functions
• Excellent written and oral communication skills 
• Positive ‘roll-up your sleeves’ attitude, initiative, and ability to work with a start-up mentality in a fast-paced environment 
• Maturity and flexibility to adapt as new organization grows and evolves 

Salary Range: $80,000.00 to $155,000.00 annually + bonus + 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.

Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for this position

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.

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Employment eligibility to work with American Express in the United States is required as the company will not pursue visa sponsorship for these positions.