José Carvalho - SVP & General Manager of Commercial Payments

American Express, Europe                                               

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José Carvalho is Senior Vice President & General Manager of Commercial Payments, Europe at American Express.

The Global Commercial Payments business brings together all of American Express’ business to business payment products and services into one organisation, with a strong value proposition for customers, and a focus on accelerating the growth of B2B payments around the world.

José is responsible for the operation of the business across Europe. This includes overseeing Small Business Services, Middle Market and Large Market sales and account development teams across International, with the overall focus of providing innovative payment and cash flow solutions to businesses of all sizes across Europe.

Jose was previously President of American Express Partner Card Services Brazil and Senior Vice President for the Partner Card Services organisation in Latin America and the Caribbean (LAC).   Prior to moving to Brazil, he held a number of increasingly senior positions American Express in Europe over seven years, including General Manager for the partnership business in key countries across Europe, such as France, Spain, Italy, Germany and the UK.

Prior to joining American Express, José was Head of Marketing for Lloyds TSB Cards & Payments, overseeing all marketing initiatives for the bank’s UK business. José also spent his earlier career serving as Head of European and Latin American Marketing for the C&A/Banco ibi Group, managing a 20 million account credit card portfolio and a three million account personal loans book.

José has an Engineering degree from Escola Politécnica in Brazil and holds an MBA from the Kellogg School of Management, Northwestern University in the USA.