Credit Recovery Specialist

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. How will you make an impact in this role? Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure. Handle incoming and outgoing calls for credit related matters. Make profitable spend decisions based on risk assessment and card member profiles. Recommend cancellation or suspension of spending privileges where required for card members. Effectively negotiate and discuss alternate payment arrangements. Minimum Qualifications Any customer servicing or customer facing background is basic requirement Preferred Qualifications Credit, collection, recovery and spend enablement decision making experience would be an added advantage but not essential. Excellent communication skills in English both verbal and written. Additional language such as Mandarin would be an added advantage. Good interpersonal skills, mature and patience in handling difficult customers. - Good analytical skills with attention to accuracy and detail. Able to make sound decisions effectively and promptly. Must be able to work toward deadlines and handle multiple tasks. At a minimum, intermediary capability across standard Microsoft office platform. Basic understanding on MAS Regulations We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: 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 or onsite 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.