Analyst - Pricing

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?

The Global Merchant & Network Pricing (GMNP) team is responsible for the single largest source of revenue for American Express: merchant discount revenue. The team works closely with multiple business partners to determine pricing structures that encourage merchant acceptance of American Express, while striving to improve coverage and merchant satisfaction. Ultimately, the team drives merchant revenue and profit growth through customer-centric pricing principles, flexible pricing architecture, and innovative pricing solutions.

The Analyst in Merchant Acquisition (MA) &Regional & Centralized Client Group (RCCG) is responsible for developing actionable insights and analytics to support Merchant Acceptance growth by developing pricing proposals for new merchant acquisitions and managing intro fund requests end-to-end. The role will also own Exception Pricing Process for Industry Code changes and provide support for ad hoc projects.

This is an excellent opportunity for an individual to gain deep knowledge of the merchant business, as well as exposure to and insight from Leadership across the Blue Box. They should be a dynamic individual who is eager to learn Merchant Pricing and can work closely with partners and leaders and has the right ambition to drive change.

Responsibilities:

• Build clear, data-driven pricing proposals and recommend rate structures for Merchant Acquisition initiatives, leveraging internal and external data, competitive intelligence, and industry research to inform pricing strategies and maintain pricing integrity.
• Process Intro Funds requests end‑to‑end: validate eligibility, prepare decision memos/term sheets, obtain required approvals, and ensure documentation aligns to the published Pricing Policy, SOP and governance standards.
• Own the Exception Pricing workflow when pricing updates stem from Industry Code changes or control remediation. Prepare EP templates, reconcile volumes/rates, and drive timely approvals so partner teams can execute updates/refunds.
• Build strong working relationships with MASE and RCCG Client Management teams; act as the pricing point‑of‑contact to align priorities and close actions ahead of merchant meetings.

Minimum Qualifications:

• 0–3 years experience in analytics, finance, consulting, or strategy (payments/merchant ecosystem a plus).
• Strong analytical toolkit: Excel (modeling & sensitivity analysis), comfort with large datasets; SQL/Python a plus.
• Structured communicator with executive presence; can translate analysis into crisp recommendations.
• High ownership and bias for action in a fast‑paced environment; comfortable with ambiguity and multi‑partner workflows.
• Relationship builder who collaborates across Pricing, Merchant Acquisition, Client Management (RCCG), Operations, and risk/compliance partners
• Self-starter who excels in a fast-paced, dynamic environment that places a premium on driving results

Salary Range: $65,500.00 to $102,500.00 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.

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.