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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

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?

Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure.

• To manage risk and minimize card's loss through a systematic credit and operational control procedures and policy via outbound dunning calls and Inbound calls.
• To acquire key information to analyse case and find root causes and make sound decision to ensure we can manage acceptable risk.
• To review and monitor credit worthiness of card to consider spending limit
• To work the case through incoming and outgoing calls by managing risk and minimize credit loss through a systematic decisioning and dunning procedures and also ensure balanceing client satisfaction at certain level
• To handle CM or PA's inquiry and complaints independently.
• Ensure high standard of Services are achieved with quality.
• Good collaboration with team and other departments.
• Conduct performance analysis, using all sorts of data.
• Monitor and review cardmember credit worthiness and credit history to consider control or expansion.
• Alignment with all concerned departments to ensure customer's requirements are met
• Ensure processes and policies are in place to drive prioritization and timely decision making

Minimum Qualifications

• At least 2 years of experience in credit analysis or a related field

• Bachelor’s degree in business or a related field

• Strong command of English, both written and verbal

• Strong analytical and negotiation skills

• Ability to work effectively under pressure and manage high work volumes

• Strong customer focus and service orientation

• Ability to multitask and manage competing priorities

• Proficiency in PC applications, including Microsoft Office

• Demonstrates strong work ethic and team collaboration

• Strong multitasking abilities and advanced problem-solving skills

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

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.