Apprenticeship Program- Collections (Voice Process)

American Express Company; New Delhi, Faridabad District, Gurugram District; Hybrid; INR 4,274,000 - 6,173,000; Full time

Benefits offered by this job

Hybrid Environment

On-site 3 days/week

Job summary

American Express is seeking a collections professional to contact customers with early-stage past due accounts, secure payments, and prevent further delinquencies. The role emphasizes compliance, customer experience, and accurate account notes.

You will work in a hybrid environment with on-site work three days a week, supporting US hours in a 24/7 rotation, and you will help educate customers on balances, due dates, and payment options while meeting productivity targets.

Qualifications

• Bachelor's degree required.
• Not more than 5 years difference between highest education degree completion date and joining date.
• Strong attention to detail and accuracy.
• Good communication and interpersonal skills.
• Willingness to learn and adapt to new tasks and challenges.
• Ability to maintain confidentiality.

Responsibilities

• Contact customers via phone regarding early-stage past due accounts.
• Educate customers on outstanding balances, due dates, and payment options.
• Negotiate and set up payment arrangements when required.
• Encourage timely payments to minimize delinquency and charge-off risk.
• Identify reasons for delinquency and document accurate account notes.
• Ensure compliance with all regulatory, legal, and company policies.
• Handle customer concerns professionally and provide appropriate resolutions.
• Meet productivity, quality, and recovery targets consistently.
• Escalate complex or high-risk accounts as per internal guidelines.

Skills

Attention to detail

Communication skills

Teamwork

Confidentiality

Willingness to learn

MS Office

Education

Bachelor's degree

Tools

Microsoft Office Suite

Job description

At American Express, our culture is built on a 175-year history of innovation, sharedvalues 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 customers with early-stage past due accounts to secure payments, resolve delinquencies, and prevent accounts from progressing to later stages of collections, while maintaining a positive customer experience.

Key Responsibilities

• Contact customers via phone regarding early-stage past due accounts.
• Educate customers on outstanding balances, due dates, and payment options.
• Negotiate and set up payment arrangements when required.
• Encourage timely payments to minimize delinquency and charge-off risk.
• Identify reasons for delinquency and document accurate account notes.
• Ensure compliance with all regulatory, legal, and company policies.
• Handle customer concerns professionally and provide appropriate resolutions.
• Meet productivity, quality, and recovery targets consistently.
• Escalate complex or high-risk accounts as per internal guidelines.

Minimum Qualifications

• Bachelors degree
• Not more than 5 years of difference between highest education degree completion date and joining date
• Should not have enrolled in any prior Government Apprenticeship programs
• Strong attention to detail and accuracy
• Good communication and interpersonal skills
• A willingness to learn and adapt to new tasks and challenges
• Ability to maintain confidentiality

Preferred Qualifications

• Proficiency in basic computer applications (e.g., Microsoft Office Suite)
• Ability to work effectively in a team environment

Additional Requirements:

• Flexibility to work anytime in US hours (24*7 rotational shifts), including weekends.
• Hybrid Environment- on site expectation 3 days/week.
• Workplace Flexibility: Full time. Shift flexibility requirements.
• American Express offers a fantastic and diverse working environment.

Compliance Language

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, youll experience this powerful backing:

• Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
• Career development and training opportunities