American Express Apprentice Hiring 2026: Commercial & Banking Servicing | Job ID 26011473

Codingcircle; Gurugram District; Hybrid; INR 380,000 - 550,000; Full time

Benefits offered by this job

Free cab facility

Subsidized meals

Hybrid work arrangement

Job summary

American Express India (Team Amex) invites applications for an Apprentice role in Commercial, Merchant and Banking Servicing at Gurugram. The program blends structured training with hands-on servicing activities for Small Business Card Members and corporate banking clients.

You will support account maintenance, query resolution, and card benefit optimization, with First-Contact Resolution in a fast-paced, compliant environment. Includes 24/7 shifts and hybrid work.

Qualifications

• Bachelor’s degree from a recognized university.
• Not more than 5 years gap between highest degree and joining date.
• Not enrolled in any Indian Government Apprenticeship program (NATS/NAPS).
• Excellent verbal and written English; basic MS Office proficiency.
• Willingness to work in a 24/7 hybrid environment.

Responsibilities

• Interact with Small Business Card Members to resolve queries and drive benefits.
• Resolve inquiries efficiently on first contact (FCR).
• Adhere to risk management, guidelines, confidentiality, and regulatory standards.
• Identify friction points and suggest process improvements.

Skills

Communication Skills

Technical Proficiency

Shift Flexibility

Operational Mindset

Education

Bachelor’s Degree

Job description

American Express Apprentice Hiring 2026: Commercial & Banking Servicing | Job ID 26011473

American Express Gurugram Full-time Fresher Not Disclosed Posted 2 days ago

Company :- American Express India (Team Amex)
Job Title :- Apprentice – Commercial, Merchant and Banking Servicing
Job Identification / Requisition ID :- 26011473
Job Category :- Operations / Customer Service & Travel
Work Model :- Hybrid (Combination of on-site and remote work based on operational needs)
Job Schedule & Shift :- Full-time | 24/7 Rotational Shifts (including Night Shifts & Rotational Days Off)
Location :- Gurugram, Haryana, India (AMEX Sub Tehsil Kadipur, 122004)

Practice & Organizational Overview

American Express is a global financial services leader renowned for providing premium credit card, merchant, and banking services. The Commercial, Merchant, and Banking Servicing team acts as the direct line of support for Small Business Card Members and commercial banking clients.

As an Apprentice, you will undergo structured corporate training while directly contributing to servicing activities. You will assist Small Business Card Members with account maintenance, query resolution, and card benefit optimization, delivering First-Contact Resolution (FCR) in a highly compliant and fast-paced operational environment.

Key Responsibilities & Daily Operations

• Customer Servicing & Value Generation: Interact with Small Business Card Members to resolve financial, maintenance, and account queries. Assess customer profiles and needs to recommend relevant card benefits and features while driving spend engagement.
• Issue Resolution & FCR: Apply active call-handling and communication skills to resolve complex inquiries efficiently during first contact.
• Compliance & Quality Adherence: Strictly adhere to internal risk management protocols, service guidelines, customer confidentiality, and regulatory compliance standards.
• Operational Feedback: Identify recurring customer friction points and recommend workflow or procedural updates to improve overall service quality.

Minimum Eligibility Criteria

Mandatory Academic & Eligibility Rules

• Degree Level: Bachelor’s Degree in any discipline from a recognized university.
• Educational Gap Limit: Not more than 5 years of gap/difference between your highest degree completion date and your joining date.
• Government Apprenticeship Restriction: Must NOT have been previously enrolled in any Indian Government Apprenticeship program (e.g., NATS/NAPS).

Preferred Skills & Attributes

• Communication Skills: Excellent verbal and written English communication skills with strong active listening capabilities.
• Technical Proficiency: basic computer applications (Microsoft Office Suite: Excel, Word, Outlook).
• Shift Flexibility: Willingness to work in a 24/7 environment involving rotational night shifts and changing rest days.
• Operational Mindset: Strong attention to detail, decision-making capabilities under time constraints, and ability to handle confidential customer financial data responsibly.

Compensation & Benefits Expectations

• Estimated Apprentice Stipend: ₹3.8 LPA to ₹5.5 LPA (approx. ₹28,000 to ₹40,000 per month depending on shift allowances and fixed components).
• Transportation & Facilities: Free door-to-door cab facility (during night shifts/standard shifts per Amex transport policy) and subsidized/free meals at the Gurugram campus.
• Work Culture: Hybrid work arrangement, comprehensive wellness support, and potential consideration for regular full-time Customer Care Professional (CCP) roles based on performance during the apprenticeship.

Selection Workflow & Evaluation Rounds

Company :- American Express India (Team Amex)
Job Title :- Apprentice – Commercial, Merchant and Banking Servicing
Job Identification / Requisition ID :- 26011473
Job Category :- Operations / Customer Service & Travel
Work Model :- Hybrid (Combination of on-site and remote work based on operational needs)
Job Schedule & Shift :- Full-time | 24/7 Rotational Shifts (including Night Shifts & Rotational Days Off)
Location :- Gurugram, Haryana, India (AMEX Sub Tehsil Kadipur, 122004)

Practice & Organizational Overview

American Express is a global financial services leader renowned for providing premium credit card, merchant, and banking services. The Commercial, Merchant, and Banking Servicing team acts as the direct line of support for Small Business Card Members and commercial banking clients.

As an Apprentice, you will undergo structured corporate training while directly contributing to servicing activities. You will assist Small Business Card Members with account maintenance, query resolution, and card benefit optimization, delivering First-Contact Resolution (FCR) in a highly compliant and fast-paced operational environment.

Key Responsibilities & Daily Operations

• Customer Servicing & Value Generation: Interact with Small Business Card Members to resolve financial, maintenance, and account queries. Assess customer profiles and needs to recommend relevant card benefits and features while driving spend engagement.
• Issue Resolution & FCR: Apply active call-handling and communication skills to resolve complex inquiries efficiently during first contact.
• Compliance & Quality Adherence: Strictly adhere to internal risk management protocols, service guidelines, customer confidentiality, and regulatory compliance standards.
• Operational Feedback: Identify recurring customer friction points and recommend workflow or procedural updates to improve overall service quality.

Minimum Eligibility Criteria

Mandatory Academic & Eligibility Rules

• Degree Level: Bachelor’s Degree in any discipline from a recognized university.
• Educational Gap Limit: Not more than 5 years of gap/difference between your highest degree completion date and your joining date.
• Government Apprenticeship Restriction: Must NOT have been previously enrolled in any Indian Government Apprenticeship program (e.g., NATS/NAPS).

Preferred Skills & Attributes

• Communication Skills: Excellent verbal and written English communication skills with strong active listening capabilities.
• Technical Proficiency: basic computer applications (Microsoft Office Suite: Excel, Word, Outlook).
• Shift Flexibility: Willingness to work in a 24/7 environment involving rotational night shifts and changing rest days.
• Operational Mindset: Strong attention to detail, decision‑making capabilities under time constraints, and ability to handle confidential customer financial data responsibly.

Compensation & Benefits Expectations

• Estimated Apprentice Stipend: ₹3.8 LPA to ₹5.5 LPA (approx. ₹28,000 to ₹40,000 per month depending on shift allowances and fixed components).
• Transportation & Facilities: Free door-to-door cab facility (during night shifts/standard shifts per Amex transport policy) and subsidized/free meals at the Gurugram campus.
• Work Culture: Hybrid work arrangement, comprehensive wellness support, and potential consideration for regular full-time Customer Care Professional (CCP) roles based on performance during the apprenticeship.

Selection Workflow & Evaluation Rounds

1. Application & Resume Screening (Checking Bachelor's Degree, <5 Yrs Education Gap, & No Prior Govt Apprenticeship)
2. Online Assessment (English Language Proficiency, Logical Reasoning, & Situational Customer Care Scenarios)
3. Technical / Voice Evaluation Round (Assessing Communication, Call Handling Logic, Accent Neutrality, & Problem-Solving)
4. Managerial Interview (Customer empathy scenarios, adaptability to 24/7 night shifts, and situational roleplay)
5. HR Round & Background Verification Check (Document verification, educational gap check, and offer issuance)

Core Areas to Prepare for the Interview

• Customer Centricity & Empathy: Understand the concept of First Contact Resolution (FCR) and how to handle demanding business customers with professionalism.
• Situational Scenarios: Be prepared to answer “How would you handle a customer upset about an annual fee or card decline?”
• Communication & Accent Neutrality: Focus on clear articulation, structured responses, and active listening.

ATS Resume Keywords

Technical & Functional Keywords

• Customer Relationship Management (CRM)
• First Contact Resolution (FCR)
• Commercial & Merchant Servicing
• Financial Account Servicing
• Regulatory Compliance & Risk Management
• Quality Assurance & Process Improvement
• Microsoft Office Suite (Excel, Word)

Behavioral Keywords

• Strong Communication & Interpersonal Skills
• Attention to Detail & Accuracy
• Adaptability to 24/7 Rotational Shifts
• Problem-Solving & Customer Empathy

Frequently Asked Questions (FAQs)

1. What is the Job Identification ID for this posting?

The official job ID is 26011473.

2. Who is eligible to apply for this apprenticeship?

Any graduate with a Bachelor’s degree who has no more than a 5-year gap since graduation and has never been enrolled in a government apprenticeship program.

3. Is this a permanent full-time position?

This is a fixed-term Apprentice contractual engagement designed to provide hands-on training, with potential pathways to full-time roles based on operational performance and openings.

4. Where is the job location?

The role is based at American Express’s campus in Sub Tehsil Kadipur, Gurugram, Haryana (122004) operating on a Hybrid work model.