American Express

Team Member Credit & Collect

Posted On

Oct. 22, 2025

Location

Gurugram, Haryana

Experience Level

Freshers/Experienced

Job Type

Permanent

Apply By

Nov. 16, 2025

Job Description

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, 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.

In Global Commercial Credit (GCC) we are very excited to present the following job opportunity. This is a great time to join a fast-growing business unit, work with an enthusiastic group of colleagues and develop your career.

Why Global Commercial Credit? GCC has been a recently growing department within American Express, and here we are truly committed to the vision of providing the world’s best credit and underwriting experience every day. Through our teams, we deliver superior service around the world by recovering delinquent balances and limiting American Express’s exposure to losses from corporations, their card members and from our Merchants. Covering nearly 30 markets, our team services over a dozen languages.

This Band 28 role as Commercial Support/Credit Insurance/Merchant Credit Analyst in the Commercial Support or Merchant Credit Back Office team respectively. This will involve working under Global Commercial Credit servicing the EMEA markets (Austria, Belgium, Finland, France, Germany, Netherlands, Spain, Sweden, UK , Italy & Multicurrency). The Commercial teams deal with providing back office support to commercial clients like limit applications and spend enablement’s. Merchant Back Office team supports creating and releasing of LTR’s, insolvencies and write-off prevention.

This is an excellent opportunity to join a positive, multicultural and multilingual team servicing our merchants.

How will you make an impact in this role?

Implement and communicate spend decisions based on risk assessment and card member profiles.
Organise limit updates as agreed with stakeholders such as ICS & CFR.
Process and communicate decisions to EMEA credit teams.
Recommend cancellation or suspension of spending privileges where required for card members and client programs.
Work to the highest standards with a balanced delivery of both customer experience and shareholder value.
Prepare and submit insurance claims.
Build relationship with insurance partners to be able to deliver excellent results for American Express.

Gathering the necessary documentation and providing a case summary to refer uncollectable merchant debit balances to our external collection agencies.
Investigating queries from external agencies regarding referred debit balance cases.
Reviewing bank statements to identify and allocate payments to the relevant merchant accounts.
Managing and analyzing Long Term Reserves on insolvent merchants.
Partner closely with Client Management groups, GMNS Risk, CFN, and Global Collections for Long-Term Reserve and External Agency queries.
Work to the highest standards with a balanced delivery of both customer experience and shareholder value
Shift Timings - UK Process

Minimum Qualifications

Demonstrated experience in a credit related role.
Ability to proactively seek out information.
Have an exceptional eye for detail.
Strong analytical mindset.
Strong numeric skills.
Excellent interpersonal, relationship building and communication skills.
Ability to work both independently and in a team environment.
Ability to take a professional approach to challenging situations.
Understanding of customers financial arrangements and requirements.

Preferred Qualifications :
Experience in Corporate Credit area of business.
Experience in the Merchant area of the business.
System knowledge: Genesis, MCC GUI, MSP, GDM, CLIC.
Knowledge of Credit related systems such as CSP, Globestar, CAS and others.

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.

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