Customer Service, Credit Specialist

Customer Service, Credit Specialist (Dutch, French, English)

**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.

Our Credit department aims to strike the right balance between enabling spend and taking actions to recover balances and limit exposure for American Express.

Every 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.

In the Credit team, you will be responsible for managing first contact resolution with Card Members who are either out of pattern, overdue or have had a rejected direct debit. 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.

**How will you make an impact in this role?**

You will be part of a team that delivers world class results, both for Card Members and the business.

**Minimum qualifications**:
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

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

- 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
- Passionate about American Express and customer service
- Demonstrate personal excellence by remaining positive in difficult situations
- Display a passion to serve by delivering extraordinary service in every interaction with our customers
- The ability to work in a fast-paced environment as well as multitask and re-prioritise on a regular basis
- Strong interpersonal, communication and listening skills
- Strong verbal communication skills in French, Dutch and English
- Excellent negotiation and influencing skills
- Highly resourceful
- Strong analytical and problem-solving skills with great attention to detail
- Outstanding organisational skills
- Ability to work in shifts
- Team player who demonstrates self-motivation & ability to work under pressure and unsupervised
- Knowledge of Microsoft Office suite (Excel, Word, Outlook...)
- Pro-actively seeks opportunities for improvement and streamline processes

**Qualifications**

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

Job ID 24022790