American Express Careers

Credit Bust Out Specialist - Swedish speaker

Brighton, United Kingdom
Customer Care Operations

Apply Get Referred

Job Description

Every one of our Credit Specialists represent the American Express brand. They take work seriously because they are more than just a voice on the phone, they’re problem solvers and relationship builders. The people you will work with, and the Card Members you will care for, value your passion and unique personality as much as we do.
American Express is a global service company, providing Card Members with exceptional access to products and experiences that enrich lives and build business success. Our Credit department aims to strike the right balance between enabling spend and taking actions to recover balances, prevent fraud and limit exposure for American Express.
In the Credit Bust Out team, you will join a group of analysts specialising in the detection of first party fraud. This means you will deal with Card Members who have obtained an American Express card with the intention never to repay the company. It will be your job to analyse accounts based on behaviour to determine whether a Card Member is genuine and has intent to pay back American Express.
Core Responsibilities
You will be part of a team that delivers world class results, both for Card Members and the business. In your role you will:
  • Use a variety of internal and external risk assessment tools to pre-empt potential high credit loss accounts;
  • Assess the risk of false applications;
  • Conduct reviews of card accounts to assess company risk by determining linkages to other accounts, previous personal history, patterns of spend and known indicators;
  • Take preventative action on accounts in a timely and accurate manner by placing the appropriate blocks on cards; 
  • Escalate all high value, high risk accounts to the Team Leader or above for early warning purposes;
  • Work to the highest standards with a balanced delivery of both customer experience and shareholder value.

This role may be subject to additional background verification checks.


Required Skills
For this role, prior experience in call centres or credit environments is not necessary. More importantly, you must be:
  • ­­­­­­SWEDISH and ENGLISH speaking;
  • An excellent communicator with exceptional interpersonal skills;
  • Highly assertive with an accomplished telephone manner;
  • Confident taking initiative and making difficult judgement calls;
  • Able to use negotiation and relationship management skills to provide win-win outcomes;
  • Highly self-motivated, results-oriented and positive;
  • A team player;
  • Well-presented and professional;
  • Passionate about American Express and customer service.
Opening Hours Monday to Friday 8:00 – 16:00.
Blue Box Benefits – What’s in it for you?
Our state of the art office in the heart of Brighton provides onsite facilities including a restaurant, coffee bar and gym, designed to put your wellbeing first.
At American Express, you will be part of a thriving and engaged culture where employee engagement and satisfaction ratings consistently place us as one of the best big companies to work for in the UK (Glassdoor Best Places to Work, 2017).
To complete your application please click on the links below. However, if you require any assistance with the completion of this process – or need any reasonable adjustments to be made – then please contact the Recruitment Team on or 00800 83 000038 (for Russia based candidates 810 800 83 000038).

ReqID: 18002503
Schedule (Full-Time/Part-Time): Full-time
Apply Get Referred