**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. We’re currently looking for **Credit Specialist** (Voice Support) in **Credit and Collections (UK Past Due)** . **How will you make an impact in this role?** Responsible for contacting customers with overdue accounts to secure the overdue balance of the account. Also they do preventive work to avoid future overdue with accounts that have a high exposure. The position is primarily responsible for managing first contact resolution with our cardholders who are behind on their payments or are past due, where you are required to understand the cardholder’s financial positions, understand the income and the expenditure of the cardholder and provide a short or a long term plan to the card member depending on how vulnerable the situations is. **Minimum Qualifications** * We are hiring Graduates with minimum 1 year of recent contact center experience * Strong communication skills with the demonstrated ability to handle highly complex and manual queries * Credit/Collections experience is desirable but not essential * Understanding of credit card financial principles **Preferred Qualifications** * Experience in UK contact centers is preferred * Ability to learn a wide variety of technical and business skills * Able to use negotiation and relationship management skills to provide win-win outcomes. * Ability to use judgmental decision making to drive customer loyalty and growth for the business. * Ability to listen and acknowledge customer concerns and create solution **Qualifications** 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 [AIA] + 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 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. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations. **Job:** Operations **Primary Location:** India-Haryana-Gurugram **Schedule** Full-time **Req ID:** 24016351