Job Description

• Help customers resolve delinquent balances on Small Business and Consumer accounts.
• Manage your own portfolio of customer accounts and work toward positive recovery outcomes.
• Use communication, negotiation, analysis, and problem-solving to understand each customer's situation and recommend appropriate actions.
• Balance collection results with professional customer experience, integrity & compliance.

Responsibilities

• Collect delinquent balances on Small Business and Consumer accounts.
• Manage an assigned client portfolio independently.
• Use skip tracing when needed to locate and communicate with customers.
• Handle different types of calls, including explaining account status, offering payment solutions, reducing delinquency, and preventing escalations.
• Analyze account details and customer circumstances to identify appropriate solutions.
• Negotiate with customers and influence positive outcomes.
• Maintain a high level of integrity and compliance during customer interactions.
• Contribute to customer outcomes, recovery efforts & overall department goals.

Qualifications

• Bachelor's degree
• Not more than 5 years of difference between highest education degree completion date and Joining date
• Should not have enrolled in any prior Government Apprenticeship programs
• Strong attention to detail and accuracy
• Good communication and interpersonal skills
• A willingness to learn and adapt to new tasks and challenges
• Ability to maintain confidentiality
• Should be comfortable working in night shifts window.

Preferred Qualifications

• Proficiency in basic computer applications (e.g., Microsoft Office Suite)
• Ability to work effectively in a team environment
• Proficiency in the English language.

Compliance Language

At American Express, our culture is built on a 175-year history of innovation, shared values and leadership behaviors, and an unwavering commitment to back our customers, communities and colleagues. As part of Team Amex, you'll experience this powerful backing:

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Career development and training opportunities.

About Us

At American Express, our culture is built on a 175-year history of innovation, shared values and 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, you'll 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.