Credit Specialist

Job Description

  • Perform credit servicing calls whilst delivering the first class customer service;
  • Handle Pre-authorization request and limit override decision to enable spend;
  • Negotiate, collect and perform credit control on credit risk accounts in adhere with the policy and procedures;
  • Achieve specific performance targets based on call monitoring scores, effectiveness of outstanding balances collected, and daily volume handled / productivity;
  • Effectively negotiate with a customer focused mind-set, and discuss alternate payment arrangements and repayment plans for customers in financial difficulty;
  • Recommend cancellation, or suspend spending privileges where required, and communicate these actions to customers;
  • Raise recommendation to write-off handling fees, petty balances or penalty charges, when justified or necessary.


  • Fluent English and Cantonese.  Reasonable standard in Mandarin;
  • Sound analytical skills and have a grow mindset
  • Good team player with high personal accountability.
  • Minimum 1 year working experience in Credit, Loan approval, Customer Service will be an advantage.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

ReqID: 19018528
Schedule (Full-Time/Part-Time): Full-time
Date Posted: Oct 9, 2019, 11:39:02 PM