**Description** **You Lead the Way. We’ve Got Your Back.** With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally. At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong. Join Team Amex and let's lead the way together. **Looking for** **a great opportunity** **to grow** **your career with the best** **?** If you have a natural curiosity, solutions oriented, are a strong negotiator and a will to win. Apply to join our Credit and Collections team in CBO Decisioning. **Job Description:** As a US Credit and Collections colleague, you are more than just a voice on the phone, you are an American Express Brand Ambassador. You are a skilled problem solver who looks to provide outstanding service to our Customers while enabling spend and mitigating risks for American Express. The people you will work with, and the Customers you will care for, value your passion and unique personality as much as we do. **Minimum Qualifications:** + Previous customer/fraud servicing, collections or outside agency experience + The ability to work in a fast-paced environment as well as multitask and re-prioritize on a regular basis + Display a passion to serve by delivering outstanding service in every interaction with our Customers + Ability to demonstrate empathy while being assertive in order to achieve the required outcome + Unquestionable integrity with high business acumen + Excellent negotiation and influencing skillset + Analytical and problem-solving skills with strong attention to detail + Strong interpersonal, communication and listening skills + Navigate multiple systems and digital tools to service our Customers + Strong flexibility and able to adapt to change + Self-motivated and ability to manage time effectively **Preferred** **Qualifications** + Inbound and Outbound call center servicing experience preferred + Financial Literacy + Ability to analyze complex account information and make effective decisions in ambiguous situations + Demonstrate personal excellence by remaining positive and resilient in difficult situations + Build meaningful relationships with our Customers by offering custom solutions, consultative assistance, and first contact resolution to negotiate a positive outcome for the Customer and American Express + Assertiveness to handle difficult conversations + Self-motivated and ability to manage time effectively **Schedule:**   Business hours of operations are Monday through Friday from 8:00 a.m. to 12:00a EST. Saturday 8:00am to 6:30pm EST, and Sunday 10:00am to 8:30pm EST. Shift differentials for nights and weekend are provided. Candidates must be flexible as shifts will be provided during the training period. **This position will work in a hybrid model with a combination of in-office three days per week and two virtual workdays from home.** Location: 18850 N 56th St.  Phoenix, AZ 85054 (Desert Ridge) **Qualifications** Salary Range: $20.00 to $33.65 hourly bonus benefits The above represents the expected hourly pay range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors. We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include: + Competitive base salaries + Bonus incentives + 6% Company Match on retirement savings plan + Free financial coaching and financial well-being support + Comprehensive medical, dental, vision, life insurance, and disability benefits + Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need + 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy + 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 For a full list of Team Amex benefits, visit our Colleague Benefits Site . American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement. If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters. Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions. **Job:** Credit **Primary Location:** US-Arizona-Phoenix **Schedule** Full-time **Req ID:** 24021264