American Express Careers

Credit Risk Specialist- CBO Japan

Kuala Lumpur, Malaysia
Customer Care Operations

Job Description

  • Monitoring High Risk Accounts of American Express.
  • Suggestions for risk mitigation for high-risk accounts of cardholders.
  • Investigation and review the degree of risk of the cardholders in order to prevent bad debts.
  • Identify potential risks by analyzing the spending pattern and buying behavior and also by asserting the intention of repayment.
  • Suggestion on the method should be taken by justifying the problem is related to unauthorized use or actual credit problem.
  • Sharing of information and reports in cooperation with overseas bases
o アメリカン・エキスプレスのハイリスクアカウントのモニタリング
o カード会員様のハイリスクアカウントについて、リスク軽減のためのご提案
o 貸倒を防ぐため、カード会員様のリスクの度合いを審査・決定
o カード会員様の購入パターンや購入特性を分析し、返済意思を断定することにより潜在的なリスクを特定
o 不正使用か実際のクレジットに関わる問題かを断定し、取るべき手段のご提案

o 海外拠点と連携し、レポート及び情報のシェア


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


You will be rewarded with:

  • A great place to work – We are in the top 10 most admired companies in the world…And the #1 amongst Financial Services
  • Fun at work! A great culture and environment – Game rooms and lounge area are situated in each floor to encourage a fun and happy workplace.
  • Competitive Salary – Get paid what you’re worth.
  • Career advancement opportunities – Shaping your future & opening both local & cross border opportunities.
  • Monthly Incentives – Based on customer experience (not sales), so you get rewarded for doing what you do best.
  • Extensive paid 3 Months Training – Giving you the skills and training you need to be a success!



American Express has been recognized and awarded  “Aon Hewitt Best Employer Malaysia” for the 7 consecutive time. American Express Malaysia also won 23 prestigious awards from the Contact Center Association of Malaysia. Among these are the following:


Best of the best Contact Center of the Year (Gold)

Best In House Contact Center (Gold)

Best Recruitment & Retention Programme (Gold)

Best In-house Inbound Contact Centre Under 100 Seats (Gold)

Best Contact Centre Professional (Gold)

Best Contact Centre Manager (Gold)

Best Contact Centre Telemarketer (Gold)


Join us and you’ll soon see why.


  • A person who have professionalism and excellent speaking ability of both Japanese and English, including the proficiency in reading and writing in Japanese.
  • A person who has high level of analytical and investigation skills.
  • A person who is emphasizing in producing the best result and always tackle the challenges to solve problem on their own.
  • A person who is very familiar with credit related policy or a person who can learn quickly.
  • A person who is emphasizing in team work, and has excellent skills to put things and plan in order.


  •  熱意とプロ意識をお持ちで、日本語の読み書き及び日本語・英語の会話力に優れた方
  •  高い分析力と調査のスキルをお持ちの方
  •  結果を出すことを重視し、自力で問題解決するための課題に取り組める方
  •  クレジット関連のポリシーを熟知している、もしくは素早く学べる方
  •  チームワークを重んじ、優れた計画性と物事を取りまとめるスキルをお持ちの方  

ReqID: 18003899
Schedule (Full-Time/Part-Time): Full-time