Corporate Account Services Credit Analyst
American Express
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 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.
- To manage risk and minimize credit card's loss through a systematic Credit control procedures and policy.
- Acquiring the necessary information to analyze Corporate Client accounts to find root cause and make sound credit decisions to ensure we can manage acceptable risk for corporate client to American Express.
- To ensure profitability and offering solutions based each Corporate card individual and clients needs.
- To review and monitor credit worthiness Corporate customers and client to consider spending limit for Corporate client/expansion or cancel account.
- To handle corporate clients’ enquiry or refer card member disputes, enquiries and compliant to concerned department.
- Work the case by inbound and/or outbound telephone contact on both Corporate Products.
- To handle End to End process of Business Travel Account product.
- Ensure high standard of Services are achieved with quality.
- Able to handle cardmember or program administrator’s inquiries/Complaints independently.
- To work the case though incoming and outgoing calls by managing risk and minimize credit loss through a systematic decisioning and dunning procedures and also ensure balancing with client satisfaction at certain level.
- Good co-operate with the colleagues and the other department with smoothly.
- Manage the request by using credit procedure balancing with servicing customers
- Conduct performance analysis, using all sort of data available including cardmember’s payment history, spending & payment pattern as well as financial information.
- Monitor and review cardmember and Merchant’s credit worthiness and credit history to consider spending limit control/expansion or cancel account.
- Able to handle clients’ enquiry or referring card member disputes, enquiries and compliant to concerned department.
- Alignment with all departments to ensure customers’ requirements are met.
- Ensure processes are in place to drive Prioritization and timely decision making.
- To ensure timely delivery of quality services to clients.
Minimum Qualifications
- At least 2 years experience in Credit Analysis or related field.
- Bachalor’s Degree in business related i.e. Business Administration, Economic.
- Strong Analystical and negotiation skill.
- Ability to cope with high pressure from volume of work.
- Proven problem Solving skills.
- Strong Customer Focus.
- Good command of written and spoken English.
- Cross Functional team work: GCP, Travel, World Service, DP.
- Should be able to co-ordinate and handle multiple tasks simultaneously.
- Able to operate PC.; Word, Excel, Power Point.
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.