Pradosh Kumar Sahoo
Director, Travel & Lifestyle Services
New York,NJ
Summary
Business, strategy & analytics professional with 9+years experience in financial services across multiple functions - credit cards, personal loans, banking & insurance
Overview
2026
2026
years of professional experience
Work History
Director - TLS Product & Customer Analytics
Travel & Lifestyle Services, American Express
03.2024 - Current
- Reorganized and scaled the analytics team from the ground up, expanding headcount to 12 and positioning the function as a key growth driver for the $13B TLS sales business.
- Led analytics workstreams supporting high-stakes negotiations with premium travel partners such as Leading Hotels of the World, Aman Resorts, and Emirates, directly influencing contract outcomes and strategic direction.
- Overhauled business unit measurement frameworks to align with senior leadership’s long-standing need for focused, objective performance tracking across TLS.
- Introduced TLS’s first-ever bottoms-up forecasting model in partnership with Finance and Product leaders, enabling more accurate revenue planning and resource allocation.
- Directed strategic initiatives to grow Amex’s Share of Travel Wallet, including comprehensive strategy development across Air, Fine Hotels + Resorts (FHR), and The Hotel Collection (THC) portfolios.
- Advised Card Product teams on travel benefit strategy and design, contributing to major refreshes of Consumer/Business Platinum and Gold products to enhance value perception and drive engagement.
- Spearheaded the modernization of TLS data and reporting infrastructure, resolving critical legacy issues and unlocking accurate, timely business insights for decision-makers.
Director - Membership & Revenue Growth Strategy
Consumer Banking, American Express
12.2021 - 03.2024
- Built a 15-member cross-functional team from scratch, responsible for delivering performance insights, pricing strategy, and revenue optimization across Amex’s emerging Consumer Banking portfolio.
- Led strategic planning for Consumer Banking, including aspiration setting, leadership scorecards, and business performance tracking against long-term growth goals.
- Advised on major partnership negotiations for new product benefits and data integrations with key players such as Vanguard, GEICO, Equifax, BAI and several fintech startups.
- Lead analytics & strategy for cross product pricing, relationship benefit of Banking products on enterprise.
- Drove member-centric strategy through customer sentiment and behavior research, helping shape product design and go-to-market plans across savings, checking, mortgage, insurance and financial planning products.
Senior Manager - Lending Economics
Global Lending & Cobrand, American Express
02.2021 - 11.2021
- Manage analytics for Plan IT & Pay Over Time Lending products for US market
- Led AR forecasting exercise for Plan It on Lend & Charge portfolios accounting for post-Covid realities
- Conceptualized & developed self serve analytics Tableau dashboard for Plan It portfolio
- Supported strategy for POS deployment of Plan It at Amex Travel, Delta & Amazon
- Developing strategy & model for "Select a Transaction" feature for Plan It
Senior Manager - International Pricing
Global Lending & Co-brand, American Express
Feb2019 - 02.2021
- Spearheaded development and implementation of pricing strategies for credit cards and personal loans across key international markets, aligning with global profitability and growth objectives.
- Launched the first-ever pricing strategy for the Personal Loans product in Canada and Australia, including end-to-end execution and ongoing performance monitoring.
- Led the $30M+ Enhanced Tier Review initiative to introduce predictive, risk-based APR pricing across international markets — defining global strategy in partnership with local teams and driving implementation with technology teams.
- Delivered critical analytics to inform the International Financial Relief Program (IFRP) during COVID-19, shaping hardship support policies for Card Members in global markets.
- Owned pricing strategy for Loan on Card products across Australia, Hong Kong, and Singapore — optimizing APR tiers to balance risk and volume growth.
- Managed and mentored a team of 3 high-performing analysts, delivering both core business insights and strategic stretch initiatives across markets.
Manager - International Risk Partnership
Global Consumer Lending, American Express
Aug2017 - Jan2019
- Established a new analytics team in the Gurgaon office — defined the vision, hiring plan, and roadmap to support international risk and marketing priorities.
- Partnered with Finance to shape pricing inputs for the global Investment Optimization process, aligning spend decisions with profitability goals.
- Unlocked ~95K new account acquisitions through close collaboration with Risk New Accounts and local market teams on strategy refinement.
- Drove ~$3M bottom-line impact by optimizing international cash withdrawal strategies in partnership with market and risk stakeholders.
- Supported co-brand negotiations for Airmiles in Canada with analytics and customer insights, helping reshape partnership economics.
- Developed democratized marketing tools, including the Net Credit Margin Dashboard, Lending Customer Engagement Scorecard, and Investment Optimization Insights Tool — empowering broader decision-making across the organization.
Analyst/AM- International Underwriting Strategy
Risk & Information Management, American Express
Apr2014 - Jul2017
- Developed and standardized global credit limit strategies, managing consumer card exposure across 11 international markets.
- Delivered $47M in incremental revenue by optimizing the Customer Requested Credit Limit process across 5 markets in just 8 weeks.
- Led end-to-end credit limit framework for the India lending portfolio, balancing risk and growth.
- Supported launch of new products in India (e.g., MakeMyTrip, Membership Rewards Cards) by building portfolio forecasts and credit strategies across 3 products.
- Partnered with tech teams to migrate the Proactive Line Increase process to a Big Data platform, unlocking ~$50M in incremental balances.
Education
MBA - General Management
Indian Institute of Management Ahmedabad
Bachelor of Technology - Civil Engineering
Indian Institute of Technology Bhubaneswar
Skills
People Leadership
Business & Strategy Analytics
Project Management
Partner Relationship Management
Timeline
Director - TLS Product & Customer Analytics
Travel & Lifestyle Services, American Express
03.2024 - Current
Director - Membership & Revenue Growth Strategy
Consumer Banking, American Express
12.2021 - 03.2024
Senior Manager - Lending Economics
Global Lending & Cobrand, American Express
02.2021 - 11.2021
Senior Manager - International Pricing
Global Lending & Co-brand, American Express
Feb2019 - 02.2021
Manager - International Risk Partnership
Global Consumer Lending, American Express
Aug2017 - Jan2019
Analyst/AM- International Underwriting Strategy
Risk & Information Management, American Express
Apr2014 - Jul2017
MBA - General Management
Indian Institute of Management Ahmedabad
Bachelor of Technology - Civil Engineering
Indian Institute of Technology Bhubaneswar
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