Credit Specialist

You Lead the Way. We’ve Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

Not just what you can expect, what you can count on.
• 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.

Qualifications

Are you up for the challenge?
• 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

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:
• Competitive base salaries
• Bonus incentives
• Support for financial-well-being and retirement
• Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Generous paid parental leave policies (depending on your location)
• Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
• Free and confidential counseling support through our Healthy Minds program
• Career development and training opportunities

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