American Express Careers

Credit Specialist

Gurgaon, India
Customer Care Operations

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Job Description

This is a Band 28 requisition.


The position is primarily responsible for managing first contact resolution with our cardholders who are delinquent and for the collecting/repayment of overdue payments and to manage cardholders ongoing spend expectations. To carry out these contacts with the highest levels of professionalism & service that maintains the brand whilst protecting shareholder losses.

  • Negotiation for the collection of overdue payments 
  • Understanding customers financial arrangements and requirements 
  • Managing the collecting of overdue balances 
  • Handling calls within the guidelines of the Credit Management Operating System
  • Securing repayment of overdue funds (preferably via ePay) and avoid potential losses/write-offs 
  • Resolving and preventing future delinquencies by educating customers on relevant & /or specific card features.
  • Maintaining the brand proposition and customer loyalty
  • Handling calls within the expectations of Credit Management customer satisfaction measures.



  • Able to use negotiation and relationship management skills to provide win-win outcomes.
  • Ability to use judgmental decision making to drive customer loyalty and growth for the business.
  • Ability to listen and acknowledge customer concerns and create solutions
  • Understanding of credit card financial principles 
  • Experience with UK calling process is preferred
  • Comfortable managing multiple credit system platforms.
  • Ability to learn a wide variety of technical and business skills
  • Excellent interpersonal skills; communication (verbal & written) 
  • Quick Thinking Ability
  • Flexible to work in a 24/7 shift environment Including Saturday & Sunday working
  • Previous Call Centre experience desirable but not essential.
  • Credit/Collections experience is desirable but not essential

ReqID: 18012627
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Aug 29, 2018, 1:15:05 AM
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