You’ll do more than the expected. You’ll do the unexpected.

In Global Commercial Credit (GCC) we are very excited to present the following job opportunity. This is a great time to join a fast-growing business unit, work with an enthusiastic group of colleagues and develop your career.

Why Global Commercial Credit? GCC has been a recently growing department within American Express, and here we are truly committed to the vision of providing the world’s best credit and underwriting experience every day. Through our teams, we deliver superior service around the world by recovering delinquent balances and limiting American Express’s exposure to losses from corporations, their card members and from our Merchants. Covering nearly 30 markets, our team services over a dozen languages.

This Band 25 role as Commercial Credit Specialist in the Cedit Insurance team will involve being the main point of contact for customers with corporate cards as well as for middle, large and global companies who hold different Commercial products offered by American Express. Your main responsibility is to collect and negotiate overdue payments, but you will also put the Customer first by enabling spends, offering resolutions and creating responsible payers.

Key Responsibilities:

• Analyse client portfolios and prioritise the dunning process with EMEA Commercial Credit teams to minimise portfolio losses.
• Prepare and submit insurance claims.
• Build relationships with insurance partners to be able to deliver excellent results for American Express.
• Coordinate limit updates as agreed with insurance partners and stakeholders.
• Process and communicate decisions to EMEA credit teams.
• Recommend cancellation or suspension of spending privileges where required for card members and client programs.
• Make profitable spend decisions based on risk assessment and card member profiles.
• Handle some incoming and outgoing calls for credit related matters.
• 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.

Amex Flex

At American Express, we know that with the right backing, people and businesses have the power to progress in incredible ways. Whether we’re supporting our customers’ financial confidence to move ahead, taking commerce to new heights, or encouraging people to explore the world, our colleagues are constantly redefining what’s possible — and we’re proud to back each other every step of the way.

When you join #TeamAmex, you become part of a diverse community of over 60,000 colleagues, all with a common goal to deliver an exceptional customer experience every day. We back our colleagues with the support they need to thrive, professionally and personally. That’s why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

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

• Prior experience in call centers or credit environments is necessary.
• Excellent interpersonal relationship building, presentation and communication skills.
• Outstanding problem solving and decision-making skills.
• Demonstrated experience in a credit related role.
• Ability to proactively seek out information.
• Have an exceptional eye for details.
• Demonstrated ability to work both independently and in a team environment.
• Excellent knowledge of English (verbal & written), other European language is a plus.

Why American Express?

There’s a difference between having a job and making a difference.

Amex have been making a difference in people’s lives for over 160 years, backing them in moments big and small, granting access, tools, and resources to take on their biggest challenges and reap the greatest rewards.

We’ve also made a difference in the lives of our people, providing a culture of learning and collaboration, and helping them with what they need to succeed and thrive. We have their backs as they grow their skills, conquer new challenges, or even take time to spend with their family or community. And when they’re ready to take on a new career path, we’re right there with them, giving them the guidance and momentum into the best future they envision.

Because we believe that the best way to back our customers is to back our people.

The powerful backing of American Express.

Don’t make a difference without it.

Don’t live life without it.

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 recruitment.support.uk@aexp.com.