Credit Specialist - Credit Bust Out

American Express; Amsterdam; Hybrid; EUR 42,000 - 56,000; Full time

Benefits offered by this job

Competitive base salary

Bonus incentives

Comprehensive medical, dental, vision,

life insurance and disability benefits

Hybrid/onsite/virtual work model

Parental leave policies

Wellness centers and Healthy Minds

Career development and training

Job summary

American Express in Amsterdam is seeking a Credit Specialist to join the Credit Bust Out team, focusing on detecting first-party fraud and assessing risk of card members who may not repay. You will analyze accounts, use risk tools, and decide on preventative actions to protect the company.

You will engage with Card Members while maintaining strong service quality, collaborating with leaders on escalations, and balancing customer experience with risk management.

Qualifications

• Excellent communicator with strong interpersonal skills.
• Assertive with a professional telephone manner.
• Able to take initiative and make difficult judgement calls.
• Able to negotiate and manage relationships for win‑win outcomes.
• Self-motivated, results-oriented and positive.
• Team player with a professional presentation.
• Strong Dutch and English language proficiency (spoken and written).

Responsibilities

• Use risk assessment tools to pre-empt high credit loss accounts.
• Assess the risk of false applications.
• Review card accounts to assess company risk and patterns.
• Take preventative action by placing appropriate blocks on cards.
• Escalate high value, high risk accounts for early warning and guidance.
• Balance customer experience with shareholder value in daily delivery.

Skills

Excellent communicator

Interpersonal skills

Assertive telephone manner

Initiative and sound judgment

Negotiation and relationship

Self-motivated and results-oriented

Team player

Well-presented and professional

Dutch & English proficiency

Job description

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.

Every one of our Credit Specialists represent the American Express brand. They take work seriously because they are more than just a voice on the phone, they’re problem solvers and relationship builders. The people you will work with, and the Card Members you will care for, value your passion and unique personality as much as we do.

American Express is a global service company, providing Card Members with exceptional access to products and experiences that enrich lives and build business success. Our Credit department aims to strike the right balance between enabling spend and taking actions to recover balances, prevent fraud and limit exposure for American Express.

In the Credit Bust Out team, you will join a group of analysts specializing in the detection of first party fraud. This means you will deal with Card Members who have obtained an American Express card with the intention never to repay the company. It will be your job to analyze accounts based on behavior to determine whether a Card Member is genuine and has intent to pay back American Express.

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:

• Use a variety of internal and external risk assessment tools to pre-empt potential high credit loss accounts;
• Assess the risk of false applications;
• Conduct reviews of card accounts to assess company risk by determining linkages to other accounts, previous personal history, patterns of spend and known indicators;
• Take preventative action on accounts in a timely and accurate manner by placing the appropriate blocks on cards;
• Escalate all high value, high risk accounts to the Team Leader or above for early warning purposes;
• Work to the highest standards with a balanced delivery of both customer experience and shareholder value.

Qualifications

For this role, prior experience in call centers or credit environments is not necessary. More importantly, you must be:

• An excellent communicator with exceptional interpersonal skills;
• Assertive with an accomplished telephone manner;
• Confident taking initiative and making difficult judgement calls;
• Able to use negotiation and relationship management skills to provide win‑win outcomes;
• Self‑motivated, results‑oriented and positive;
• A team player;
• Well‑presented and professional;
• Passionate about American Express and customer service.
• Strong verbal, written and reading proficiency in Dutch and English.

Employment eligibility to work with American Express in the Netherlands 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.