Credit Specialist CBO

At American Expressourcultureisbuilton a 175 yearhistoryofinnovationsharedvaluesand LeadershipBehaviors and anunwaveringcommitmenttobackourcustomerscommunities andcolleagues. AspartofTeam Amexyoullexperiencethispowerfulbackingwithcomprehensivesupportforyourholisticwell-beingandmanyopportunitiestolearnnewskillsdevelopasaleader andgrowyourcareer.

Hereyourvoiceandideasmatteryourworkmakesanimpact andtogetheryouwillhelpusdefinethefutureofAmerican Express.

How will you make an impact

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 theyre 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.

In the Credit Bust Out team you will join a group of analysts specializing in the detection of first party fraud. This means you will deal with Card Members who have obtained an American Express card with the intention never to repay the company. It will be your job to analyze accounts based on behavior to determine whether a Card Member is genuine and has intent to pay back American Express.

What will you do

You will be part of a team that delivers world class results both for Card Members and the your role you will:

• Use a variety of internal and external risk assessment tools to pre-empt potential high credit loss accounts.
• Assess the risk of false applications.
• Conduct reviews of card accounts to assess company risk by determining linkages to other accounts previous personal history patterns of spend and known indicators.
• Take preventative action on accounts in a timely and accurate manner by placing the appropriate blocks on cards.
• Escalate all high value high risk accounts to the Team Leader or above for early warning purposes.
• Work to the highest standards with a balanced delivery of both customer experience and shareholder value.

What you need to succeed

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

• An excellent communicator with exceptional interpersonal skills.
• Assertive with an accomplished telephone manner.
• Confident taking initiative and making difficult judgement calls.
• Able to use negotiation and relationship management skills to provide win-win outcomes.
• Self-motivated results-oriented and positive.
• A team player.
• Well-presented and professional.
• Verbal and written communication skills Dutch (fluent) and English are required
• Passionate about American Express and customer service.

Opening Hours Monday to Friday 09.00 17.15

Non-considerations for sponsorship:
Employment eligibility to work with American Express in the Enter Country Here is required as the company will not pursue visa sponsorship for these positions.

Considerations for sponsorship:
Depending on factors such as business unit requirements the nature of the position cost and applicable laws American Express may provide visa sponsorship for certain positions.

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 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.