Customer Service Credit Specialist - German Speaker

American Express; Madrid; Hybride; EUR 26 000 - 38 000; Plein temps

Avantages offerts par ce poste

Competitive salary

Bonus incentives

Medical benefits

Wellness program

Parental leave

Résumé du poste

American Express in Madrid seeks a German-speaking specialist within Global Servicing to manage credit-related calls, analyze client portfolios, and collaborate with local Credit teams.

You will assess risk, decide on spending restrictions, negotiate payment arrangements, and balance customer experience with business goals. The role emphasizes strong communication and team collaboration.

Qualifications

• German language skills required; native German and English required.
• Strong interpersonal and communication abilities.
• Ability to work independently and in a team.

Responsabilités

• Handle incoming and outgoing calls for credit related matters.
• Analyze client portfolios and coordinate with local Credit teams.
• Make spend decisions based on risk assessment and profiles.
• Negotiate and arrange alternate payment methods when needed.
• Suggest and implement cancellation or suspension of spending privileges when required.
• Balance customer experience with shareholder value in daily tasks.

Connaissances

German language

English language

Interpersonal skills

Team collaboration

Description du poste

Job Description

Global Servicing (GS) oversees consumer travel and concierge experiences, all card customer service functions for the company’s global consumer, banking, merchant, and commercial customers, as well as the key enablement functions that power our products and services. GS provides the world’s best customer experience every day by building on Amex’s 175-year legacy of service excellence, leveraging new technologies and capabilities to drive transformation, and bringing a human touch to each customer interaction.

Job Description

Global Servicing (GS) oversees consumer travel and concierge experiences, all card customer service functions for the company’s global consumer, banking, merchant, and commercial customers, as well as the key enablement functions that power our products and services. GS provides the world’s best customer experience every day by building on Amex’s 175-year legacy of service excellence, leveraging new technologies and capabilities to drive transformation, and bringing a human touch to each customer interaction.

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.

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:
• Handle incoming and outgoing calls for credit related matters
• Analyze client portfolios and organize the credit process with local Credit teams
• Make spend decisions based on risk assessment and card member and client profiles
• Recommend and execute cancellation or suspension of spending privileges where required
• Effectively negotiate and discuss alternate payment arrangements
• Work to the highest standards with a balanced delivery of both customer experience and shareholder value

Opening Hours

Monday to Friday 8:00AM - 5:00PM - 40 hours per week.

Qualifications

• Excellent interpersonal, relationship building and communication skills (German speaking)
• Native German & English language skills
• Passionate about American Express and customer service
• Exceptional problem solving and decision-making skills
• Ability to use decision making to drive customer loyalty and growth for the business
• Competitive and motivated
• Ability to work both independently and in a team environment
• Ability to take a professional approach to challenging situations
• Ability to “think on your feet”

Non-considerations For Sponsorship

Employment eligibility to work with American Express in Spain is required as the company will not pursue visa sponsorship for these positions.

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.

About The Team

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.