Senior Analyst - International Instalment Lending

The Products & Partnerships team within the International Card Services Centre of Excellence (COE) defines and scales the product and partnership strategy across 23 international markets. The team drives transformation and sustainable revenue growth across International Lending, Small Business Services, Cobrand, Corporate, and Card Member product portfolios by building differentiated capabilities, advancing strategic partnerships, and delivering premium customer experiences, all underpinned by strong governance and product risk excellence.

The ICS Lending Center of Excellence (COE) team vision is to ensure each customer has access to flexible payment options, relevant rewards, and the powerful backing of American Express.  

The Lending Product & Activation team is responsible for driving revenue growth and portfolio performance across international markets through the development, enhancement, and scaling of digital lending products and customer experiences. The team works across a broad range of lending solutions and strategic initiatives, partnering closely with global and local stakeholders to deliver innovative and scalable capabilities. The team is organized into three Product families- Revolve Products (on card lending for credit cards & lending on charge), Instalment Lending, and our Strategy & Activation team that focuses on scaling the existing products and building tools and insights for local marketeers. 

This Senior Analyst - International Instalment Lending role will support the execution of lending product initiatives and portfolio strategies across international markets. The role offers exposure to product strategy, cross-functional delivery, governance, partner management, and portfolio performance optimization in a dynamic global environment. This role requires strong collaboration and stakeholder management across multiple functions including Technology, Risk, Legal, Compliance, Finance, Marketing, and international market teams.

• Manage a critical Third-Party Relationship (TLM) supporting the Business Loans portfolio (Canada, Australia), ensuring effective vendor oversight, issue resolution, and ongoing portfolio stability

• Partner cross-functionally (Technology, Risk, Legal, Compliance, Marketing, Local Market) to execute installment lending initiatives & lead governances processes (i.e. New Product Approval)

• Drive analysis and insights to inform the installment lending (incl. Plan It) roadmap, contributing to product enhancements, market expansions, product requirements, and feature prioritization for future launches and enhancements.

• Support growth and performance of Consumer Loans portfolio in existing markets by partnering with local teams to monitor results, identify opportunities, and optimize customer engagement.

• Support the execution and ongoing management of lending product initiatives across international markets

• Identify and apply AI-enabled opportunities to enhance team efficiency & insights using tools like CustomGPTs, Copilot Researcher, etc. 

Required Skills:

 

• Experience managing third party relationships and other Amex governance processes. 
• Strong project management and organizational skills, with the ability to manage multiple priorities in a fast-paced environment.
• Demonstrated ability to collaborate effectively across cross-functional teams and build strong stakeholder relationships.
• Strong analytical and problem-solving capabilities, with the ability to interpret data and generate actionable insights.
• Effective written and verbal communication skills, with the ability to tailor messaging to different audiences.
• Proven ability to work independently while contributing to broader team objectives and strategic initiatives.
• High attention to detail, sound judgment, and a proactive approach to identifying and resolving issues.
• Ability to adapt quickly to evolving business priorities and navigate ambiguity with a solutions-oriented mindset.

 

Preferred Skills:

 

• Previous experience in lending products and governance preferred but not required.
• Experience supporting or leading complex, cross-functional initiatives.
• Experience supporting or leading multi-market initiatives or platform launches.

 

The stated salary range represents the expected compensation 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 is required as the company will not pursue visa sponsorship for these positions

The job posting is for an existing vacancy.

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
• 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 committed to providing an inclusive and accessible work environment in which all people who apply for positions or who work for or on behalf of Amex are treated with dignity and respect and are provided with equal treatment with respect to employment, regardless of that person's age, sex, sexual orientation, gender identity, gender expression, race, colour, ancestry, ethnic or national origin, citizenship, religion or creed, marital status, family status, pregnancy, disability, record of offences, social condition or origin, political beliefs, association or activity or other factors prohibited under applicable Human Rights legislation (the “Prohibited Grounds”). If you have a disability and need accommodation, please speak with the Recruiter for more information.
Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.