Job Details

Description

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.

How will you make an impact in this role?

American Express Global Commercial Services (GCS) is a leader in Corporate Payments Solutions and a fast-growing part of our business. Within GCS, Small Businesses are one of our most important growth drivers. The Small Business team strengthens our core card products while expanding innovative solutions that help customers better manage their cash flow. Since small businesses often need working capital to run their operations, Amex supports them with a range of Lending products, including Charge Cards with Pay Over Time feature, Proprietary and Co-branded Credit Cards, and a Business Line of Credit.

The VP of Small Business Pricing will lead the vision and execution of pricing strategies across all Small Business Cards and the Business Line of Credit. This leader will design and manage how pricing is used as a comprehensive tool to achieve sustainable portfolio growth. That means balancing customer experience, demand and engagement with strong portfolio economics and healthy margins. The team is responsible for defining and managing almost all elements of pricing, which encompasses any rate or fee applied across Small Business Cards and Business Line of Credit products (e.g., APRs, fees, interest methodologies, minimum due). In this capacity, the team partners closely with stakeholders across the organization—including Product, Credit Risk, and Marketing—to ensure that pricing strategies are competitive, customer-centric, and aligned with the company’s growth and profitability objectives.

The team is tasked with driving revenue through transformation initiatives, uncovering opportunities to reinvest in customer and product value, and developing a pricing capabilities roadmap to enhance customer experience, streamline operations, and ensure regulatory compliance.

Key Responsibilities:

• Deliver pricing strategies and capabilities to support new lending products and a pipeline of future enhancements to enable revenue growth.

• Develop a capability roadmap that enables new pricing strategies and automates standard pricing changes to reduce time to market, improve quality, and lower costs.

• Partner with Credit Risk teams to apply pricing as a key lever for managing risk and ensuring healthy portfolio margins.

• Establish, monitor, and strengthen robust risk and process controls to ensure a well-managed, compliant, and resilient lending business.

• Create and assess the feasibility of a pipeline of new pricing and lending ideas by working with various Product teams, Technology, Finance, Servicing, Compliance and GCO.

• Partner with Finance to forecast the P&L impacts of pricing decisions as well as to deliver new pricing frameworks that drive profit enhancing outcomes.

• Monitor the competitive and regulatory environment, generate insights, and assess their impact on pricing strategy across customer segments.

Minimum Qualifications

• Tenured people leader with a growth mindset and a passion for coaching and team development

• Strong commercial acumen and strategic decision-making skills, with the ability to identify critical insights, focus on what matters most, influence outcomes, and balance shareholder objectives with customer value.

• Ability to build and sustain effective relationships with business partners, peers, and key stakeholders to drive alignment and results.

• Excellent financial analysis and problem-solving skills with ability to translate complex financial terms into key insights and apply to business strategies and objectives.

• Excellent written and oral communication skills with the ability to adapt communication style effectively to audiences of all levels.

• Knowledge of commercial payments industry & economics

Qualifications

Salary Range: $176,750.00 to $282,000.00 annually bonus equity (if applicable) 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.

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.

US Job Seekers - Click to view the “ Know Your Rights ” poster. If the link does not work, you may access the poster by copying and pasting the following URL in a new browser window: https://www.eeoc.gov/poster

Depending on factors such as business unit requirements, the nature of the position, cost, and application laws, American Express may provide visa sponsorship for certain positions

Job: Executive

Primary Location: US-New York-New York

Schedule Full-time

Req ID: 25017608