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Credit Specialist
Description
Every one of our Credit Specialists represent the American Express brand. They take work seriously because they are more than just a voice on the phone, they\'re problem solvers and relationship builders. The people you will work with, and the Card Members you will care for, value your passion and unique personality as much as we do.

American Express is a global service company, providing Card Members with exceptional access to products and experiences that enrich lives and build business success. Our Credit department aims to strike the right balance between enabling spend and taking actions to recover balances, prevent fraud and limit exposure for American Express.

Our Credit Specialists are split into the follwoing teams, to which we are currently recruiting:

Spend Enablement

In the Spend Enablement team, you will be responsible for managing first contact resolution with Card Members whose accounts have been set up for a specialised spend review. You will make sound decisions on lending, taking into consideration the Card Member\'s payment history and other mediating factors. You will think on your feet and make judgement calls regarding each account.
You will be part of a team that delivers world class results, both for Card Members and the business. In your role you will:
  • Review card holder spending needs and make lending decisions;
  • Negotiate for the collection of payments from high risk cardholders;
  • Uphold the American Express brand image and customer loyalty through outstanding customer service;
  • Work to the highest standards with a balanced delivery of both customer experience and shareholder value.

Specialised Dunning

In the Specialised Dunning team, you will be responsible for managing first contact resolution with Card Members who are either overdue or have had a rejected direct debit or cheque payment. These Card Members require re-education on the impact of late or rejected payments. You will provide benefits to those Card Members that pay the amount due, encourage continued use of the card and prevent future occurrence through negotiation and education.
You will be part of a team that delivers world class results, both for Card Members and the business. In your role you will:
  • Negotiate for the collection of overdue payments;
  • Secure the repayment of due and overdue funds;
  • Put in place payment commitments that balance the Card Member\'s ability to repay and ongoing account management;
  • Uphold the American Express brand image and customer loyalty through outstanding customer service;
  • Work to the highest standards with a balanced delivery of both customer experience and shareholder value.


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

Qualifications

Required skills:

For this role, prior experience in call centres or credit environments is not necessary. More importantly, you must be:

  • An excellent communicator with exceptional interpersonal skills;
  • Highly assertive with an accomplished telephone manner;
  • Confident taking initiative and making judgement calls;
  • Able to use negotiation and relationship management skills to provide win-win outcomes;
  • Highly self-motivated, results-oriented and positive;
  • A team player;
  • Well-presented and professional;
  • Passionate about American Express and customer service.


You must be flexible to work in a shift-based role, on a 35 hour per week rota.

Blue Box Benefits - What\'s in it for you?

Our state of the art office in the heart of Brighton provides onsite facilities including a restaurant, coffee bar and gym, designed to put your wellbeing first.

At American Express, you will be part of a thriving and engaged culture where employee engagement and satisfaction ratings consistently place us as one of the best big companies to work for in the UK (Glassdoor Best Places to Work, 2017).

Why American Express?
Talk to our people and you\'ll find out what we\'re really all about. Open, creative, risk-taking, collaborative and innovative are just some of the expressions you\'ll hear. It\'s our culture that makes American Express an outstanding place to work, and a big part of why we regularly win best workplace awards all over the world including recognition amongst the World\'s Best Multinational Workplaces by Great Place to Work and Glassdoor\'s 2017 Best Places to Work. If you\'re ready to take on a challenge and make an impact, you owe it to yourself to launch or grow your career here.

To complete your application please click on the links below. However, if you require any assistance with the completion of this process - or need any reasonable adjustments to be made - then please contact the Recruitment Team on or (for Russia based candidates ).

Job Details
Job Ref: 391453677
Start Date: Fri, 13 Apr 2018 19:00:00 EST
Hours: Not Specified
Location: Brighton, Sussex, United Kingdom
Working Term: Permanent
Salary: British Pound . GBP British Pound . GBP - Annual Annual

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