Credit Speacilist

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Job Description

 

s 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.
 
JOB DESCRIPTION:
 
Function Description:
 
Purpose of the Role:
 
Responsibilites:
 

•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

•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+

 

 

Qualifications

 

QUALIFICATION:


Critical Factors to Success:


Internal Candidate - Minimum 1 yrs of Expereince preffered in Collections


Candidate should not be on any level of counseling


Well versed with internal tools like CSP, Globestar & ECCO


Past Experience:


External - UK collections or servicing pereferd


Academic Background:


Graduate in any Dicipline


 


Functional Skills/Capabilities:


International Market Collection Experience preffered


Excellent Communication Skills


Should possess sound Analytical, Decision Making and Problem Solving Skills


Technical Skills/Capabilities:


 

Knowledge of Platforms:


 


Behavioral Skills/Capabilities:


Enterprise Leadership Behaviors


•Set The Agenda: Define What Winning Looks Like, Put Enterprise Thinking First, Lead with an External Perspective


•Bring Others With You: Build the Best Team, Seek & Provide Coaching Feedback, Make Collaboration Essential

 

•Do It The Right Way: Communicate Frequently, Candidly & Clearly, Make Decisions Quickly & Effectively, Live the Blue Box Values, Great Leadership Demands Courage  

 


ReqID: 19017338
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Sep 19, 2019, 10:04:24 AM