Commercial Credit Specialist German & English Speaking

At American Express our culture is built on a 175-year history of innovation sharedvaluesand Leadership Behaviors and an unwavering commitment to back our customers communities and colleagues. From delivering differentiated products to providing world-class customer service we operate with a strong risk mindset ensuring we continue to uphold our brand promise of trust security and service.

As part of Team Amex youll experience our 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.

Core Responsibilities:

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

• Handle incoming and outgoing calls for credit related matters

• Analyze client portfolios and organize the credit process with local Credit teams

• Make spend decisions based on risk assessment and card member and client profiles

• Recommend and execute cancellation or suspension of spending privileges where required

• Effectively negotiate and discuss alternate payment arrangements

• Work to the highest standards with a balanced delivery of both customer experience and shareholder value

• Opening Hours Monday to Friday 8:00AM 5:00PM 40 hours per week.

Minimum Qualifications:

• Excellent interpersonal relationship building and communication skills (German speaking)

• Native German & English language skills

• Passionate about American Express and customer service

• Exceptional problem solving and decision-making skills

• Ability to use decision making to drive customer loyalty and growth for the business

• Competitive and motivated

• Ability to work both independently and in a team environment

• Ability to take a professional approach to challenging situations

• Ability to think on your feet

Non-considerations for sponsorship:

Employment eligibility to work with American Express in theSpain is required as the company will not pursue visa sponsorship for these 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.