Do the right thing for our customers, our company and your career.

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, 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.

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 analyse accounts based on behaviour to determine whether a Card Member is genuine and has intent to pay back American Express.

Core Responsibilities:

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

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 business 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 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;
• Passionate about American Express and customer service.

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.