Collections Representative

American Express; Taguig; Hybrid; PHP 420,000 - 660,000; Full time

Benefits offered by this job

Hybrid work model

Competitive base salaries

Bonus incentives

Financial-well-being support

Comprehensive insurance

Job summary

American Express in the Philippines is hiring for the US Credit & Collections Voice function. You will guide Card Members on account status, provide credit-friendly solutions, and ensure compliant, high-quality customer interactions during payments, capacity, and digital options.

Ideal candidates bring international collections or BPO experience, strong communication, and empathy, with a proven track record of meeting performance metrics while maintaining a customer-centric approach in a hybrid

Qualifications

• Senior High School graduate
• 1 year international Credit & Collections experience for cards/loans or 2 years in international BPO inbound CS
• Experience meeting KPIs such as Dollars Collected, PTP, RPC, or VOC/NPS

Responsibilities

• Deliver superior customer experience to American Express Card Members.
• Understand customer profiles and needs to recommend benefits and products while complying with guidelines.
• Resolve Card Member queries and follow call conversation models.
• Provide alternative solutions and apply strong call-handling skills for optimal outcomes.
• Adhere to quality and compliance standards and strive for first-call resolution.
• Demonstrate strong verbal communication and maintain a customer-focused approach.

Job description

Job Description

9th in Great Place to Work’s Best Workplaces in the Philippines 2026

10th in Fortune Magazine’s 2026 World’s Most Admired Companies

6th in Great Place to Work Philippines Best Workplaces in IT-BPM 2026

4th in Great Place to Work's Best Company To Work For 2025

How will you make an impact in this role?

We are hiring for the US Credit & Collections Voice function. This team empowers American Express Card Members to spend with confidence by combining credit expertise with meaningful customer engagement. The team helps Card Members understand their account status, resolve credit-related concerns, and make informed spending decisions through tailored payment and digital solutions. Through warm and insightful conversations, team members identify customer 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 supports 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

• Deliver a superior customer experience to Card Members who use American Express for its exclusive benefits and services.
• Support responsible spending by understanding customer profiles and needs, and recommending the most suitable benefits and products while adhering to compliance guidelines.
• Resolve Card Member queries and follow established call conversation models appropriately.
• Provide alternative solutions and apply strong call-handling skills to ensure the best possible outcomes for Card Members.
• Adhere to quality and compliance standards while achieving first-call resolution.
• Make sound decisions and respond effectively to Card Member inquiries.
• Demonstrate excellent verbal communication skills.
• Maintain a strong customer focus, with the ability to resolve issues, handle objections, and manage challenging service situations.
• Exhibit strong interpersonal, communication, and listening skills, with the ability to take ownership and de‑escalate situations when required.
• Demonstrate dependability, self‑motivation, and adaptability to change.
• Work effectively both independently and within a team environment.
• Maintain professionalism, resilience, and a positive attitude in challenging situations.
• Manage challenging customer interactions with professionalism, empathy, and sound judgment, delivering effective resolutions while maintaining a positive customer experience.
• Demonstrate strong attention to detail and critical thinking to accurately navigate complex processes, identify potential issues, and ensure high‑quality, compliant outcomes across multiple process touchpoints.
• Possess working knowledge of Microsoft Office applications, including Word, PowerPoint, and Excel.

Qualifications

Minimum Qualifications

• At least Senior Highschool Graduate (New curriculum)
• At least 1-year of international Credit and Collections experience, supporting products such as credit cards, auto loans, or mortgages; or at least 2-years of experience in an international BPO Customer Service inbound calls environment.
• Collections candidates must have 1–year of experience consistently achieving key performance metrics, including Dollars Collected, Promise to Pay (PTP), Right Party Contact (RPC), and/or Refer‑a‑Friend.
• Customer Service candidates must have 2-years of experience consistently meeting or exceeding customer experience metrics, such as CSAT, VOC, NPS, or Vibes.

Preferred Qualifications

• Put enterprise thinking first, connect the role’s agenda to enterprise priorities and balance the needs of customers & shareholders.
• Lead with an external perspective, challenge status quo and bring continuous innovation to our existing processes.
• Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
• Very good in de‑escalating, a problem solver, top tier analytical mindset, high attention to detail, high degree of accuracy & tremendous will to win.
• Strong relationship building, management and influencing skills
• Exceptional verbal, written, and interpersonal communication skills

Additional Details

• Location: BGC Corporate Center 2, 5th Avenue corner 30th Street, Bonifacio Global City, Taguig
• Workplace Flexibility: Full time. Must be amenable to follow a hybrid work arrangement (onsite and work from home)
• Work From Home Requirements:
  • Must have at least 25 mbps internet connection plan / speed
  • Must have a private & quiet area to work at home
• American Express offers a fantastic and diverse working environment. High performance is rewarded with target driven incentives.
• 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

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.