American Express Careers

UK Consumer 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.


  • 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.
  • Experience of handling financial difficulties or vulnerable customers in the past is A+.

ReqID: 19004254
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Mar 11, 2019, 12:32:12 AM
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