American Express Careers

Credit Specialist

Gurgaon, India
Customer Care Risk Management

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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.


  • This position is responsible for reviewing accounts to determine if the CM has set up an account with an intention to defraud American Express.
  • This is accomplished by reviewing account and Card member information such as; charge activity, payments, Credit Bureau information, Lexis Nexis information, Service Establishment information, and WCC history notes and then making an analysis as to the risk to American Express.
  • Report analysis results
  • Identify potential process improvement initiatives



  • Strong interpersonal, communication and listening skills. Comfortable with 24/7 shifts.
  • Demonstrated ability to effectively work high-risk accounts that are referred via Fraud Risk case set-ups.
  • Graduates/Freshers or with Max 3 years of experience from Top Intl Call Centres/BPOs in Credit card customer service/Fraud
  • Ability to evaluate CM’s financial data to make a business decision as to the risk level involved post data inputs from Credit Bureau, Lexis Nexis.
  • Ability to evaluate American Express Consumer, Small Business, and Corporate account data to make a business decision as to the risk level of the account pertaining to charge detail, Service Establishment information, and payment detail.
  • Proven analytical and problem solving skills with a strong attention to detail.
  • Demonstrated dependability/self motivating skills.
  • Excellent verbal and written communication skills.
  • Change Management Ability.
  • Demonstrated ability to work effectively within a team environment as well as independently.
  • Shift Window – 24*7 Shifts
  • Rotational Offs

ReqID: 19012824
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Jul 10, 2019, 10:58:29 AM
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