American Express Careers

Credit Specialist

Gurgaon, India
Customer Care Operations

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Job Description

This is a Band 28 requisition.

Why American Express?

There’s a difference between having a job and making a difference.

American Express has been making a difference in people’s lives for over 160 years,
backing them in moments big and small, granting access, tools, and resources to take
on their biggest challenges and reap the greatest rewards.

We’ve also made a difference in the lives of our people, providing a culture of learning
and collaboration, and helping them with what they need to succeed and thrive. We
have their backs as they grow their skills, conquer new challenges, or even take time to
spend with their family or community. And when they’re ready to take on a new career
path, we’re right there with them, giving them the guidance and momentum into the
best future they envision.

Because we believe that the best way to back our customers is to back our people.

The powerful backing of American Express.
Don’t make a difference without it.
Don’t live life without it.


  • Credit Abuse Specialist will be responsible for conducting/completing financial reviews on CM accounts through inbound/ outbound telephone contact. 
  • Demonstrate ability to effectively work high-risk accounts that are referred via Fraud Risk case set-ups.
  • Ability to evaluate CM’s financial data to make a business decision post data inputs from card members/IRS.
  • Excellent verbal and written communication skills.
  • Sound ability to comprehend card member key concern/s and respond appropriately with clear & concise articulation of thoughts/reason of financial review/next steps.
  • Maintaining high customer satisfaction levels via Voice of Customer surveys.
  • Maintaining/Enhancing CSAT / meeting external (TBASS) metrics.
  • Responsible for compliance for all processes and policies.
  • Responsible for delivery of all customer and shareholder metrics as per goals
  • Proven analytical and problem solving skills with a strong attention to detail.
  • Demonstrate ability to work effectively within a team environment as well as independently.
  • Demonstrate dependability/sound decision making/self-motivating skills.
  • Open to feedback/Catalyst to Change.
  • Identify potential process improvement initiatives



  • Minimum qualification required is Graduate (any stream). 
  • Fresher or experienced from Top BPOs preferably from fraud OR Credit Card operations/ Customer Retention/Customer Service.
  • Shift Window – 24*7 Shifts
  • Rotational Offs

ReqID: 18018933
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Nov 30, 2018, 2:35:24 AM
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