Credit Specialist

American Express; Gurugram District; On-site; INR 450,000 - 650,000; Full time

Benefits offered by this job

Competitive base salary

Bonus incentives

Medical, dental, vision coverage

Flexible/hybrid work model

Parental leave

Job summary

American Express is seeking a customer service-focused professional for the Currents team, delivering tailored credit and digital solutions to cardmembers. The role emphasizes superior experience, compliance, and resolving inquiries with effective, personalized guidance.

The candidate should have 2–4 years in collections or customer service, with a graduate or undergraduate degree. The position offers a hybrid work model and extensive benefits across financial well-being and healthcare.

Qualifications

• Minimum 1 year in current role in any of the collection segment/Customer service
• Graduate or undergraduate with 2-4 years of collections/Customer service experience

Responsibilities

• Provide Superior Customer Experience to Card Members who use American Express for several exclusive benefits and services
• Resolve all Card members Queries and Follow Established Call Conversation model as Appropriate
• Provide alternatives and apply Superior Service No, Call Handling Skills To Ensure Best Possible Solutions and FCR to Card Members
• Adherence to Quality, Compliance Guidelines and first call resolution. Ability to Take Quick Decisions and Respond to Card member Inquiries
• Excellent Verbal Communication
• Customer Focused, with Strong Ability to resolve Customer Issues and Effectively Address Service No Situations
• Strong interpersonal, communication and listening skills
• Demonstrated Dependability/Self Motivating Skills. Change Management Ability
• Demonstrated Ability to Work effectively within a Team Environment as well as independently
• Proven Analytical and Problem Solving with a strong attention to Detail. Workable knowledge of MS Office Applications (Word, Power-point, Excel)

Skills

Verbal communication

Interpersonal skills

Analytical thinking

Problem solving

Teamwork

Self-motivation

Attention to detail

Adaptability

Education

Graduate or undergraduate with 2-4 years in collections/customer service

Tools

MS Office

Job description

Job Description

Currents is an integral part of the Credit & Collections function. Team empowers American Express customers to spend with confidence by combining credit expertise with meaningful customer engagement. The team helps cardmembers understand their account status, resolve credit concerns, and enable responsible spending through tailored payment and digital solutions. Dedicated team also help customers to make confident, informed spending decisions. Engages cardmembers through warm, insightful conversations to identify their needs, explain account and credit situations, and recommend personalized solutions that enhance card usability.

By guiding customers on payments, spending capacity, and digital options, the team enables both immediate and long-term spending confidence. This role is central to strengthening customer relationships, promoting financial well-being, and driving business growth through exceptional service and expertise.

Responsibilities

• Provide Superior Customer Experience to Card Members who use American Express for several exclusive benefits and services
• We collect and indulge in enabling spend to maximize spending by identifying the Profile & Need of the Customer and leverage these details to offer the best suited benefits/products to the Card member while being compliant with the laid guidelines
• Resolve all Card members Queries and Follow Established Call Conversation model as Appropriate
• Provide alternatives and apply Superior Service No, Call Handling Skills To Ensure Best Possible Solutions and FCR to Card Members
• Adherence to Quality, Compliance Guidelines and first call resolution. Ability to Take Quick Decisions and Respond to Card member Inquiries
• Excellent Verbal Communication
• Customer Focused, with Strong Ability to resolve Customer Issues and Effectively Address Service No Situations
• Strong interpersonal, communication and listening skills
• Demonstrated Dependability/Self Motivating Skills. Change Management Ability
• Demonstrated Ability to Work effectively within a Team Environment as well as independently
• Demonstrate personal excellence and resiliency by remaining positive and calm in difficult situations
• Proven Analytical and Problem Solving with a strong attention to Detail. Workable knowledge of MS Office Applications (Word, Power-point, Excel)

Qualifications

• Minimum 1 year in current role in any of the collection segment/Customer service
• Graduate or undergraduate with 2-4 years of collections/Customer service experience

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

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.