Credit Specialist - Consumer Credit SE/NO

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and lets lead the way together.

Go above and beyond at a company that sets the standard for customer-first service.

Our Credit Department would like for a new team member to join us in our purpose to provide extraordinary experiences for our customers. The Nordic Consumer Credit team consists of 13 Credit Advisors, and we are looking for you who enjoy daily challenges, is driven by targets and want to be included in a diverse, hard-working team!

Credit Operations main responsibilities are amongst others recovering balances and reducing provision, while delivering outstanding customer care and providing first class credit servicing via phone as our main communication tools. With thoroughness and expertise, ensuring compliance with all regulatory requirements and provide outstanding service to improve customer and shareholder value.

Our Advisors are agile and takes the initiative to prioritize and balance multiple responsibilities, answering calls and responding to customer queries from both internal and external parties.

It is also key for us to have a strong attention to details since we are collecting past due balances and acquiring payments on past due amounts. Making risk decisions to stop or enable spending based on account information and credit history is something we do on a day-to-day basis, while working with encouraging functions encircling the world of card transactions.

• Handling outbound and inbound calls from our consumer card members whose accounts are flagged as overdue or delinquent.
• Build significant connections with our customers by offering custom solutions, consultative assistance, and first contact resolution to work out a positive outcome for the Customer and American Express.
• Deliver best-in-class service, whilst responding to customers inquiries and problems
• Make decisions based on risk assessment and the Customer profile
• Gain commitment from the customers to making payments on their overdue account and enabling them to spend on their American Express card
• Meet and exceed quality goals, compliance regulations and productivity targets
• Document key information
• Re-prioritize to adapt to the transitional environment

At Amex, we strive in giving continuous coaching and feedback in our colleagues work, to get the best chances to succeed in their roles. We give the opportunity to develop into a professional role as well as personal growth in our international and dynamic Company.

• Proficient in both Swedish and English, verbal and in writing. Norwegian or Finnish language skills are advantageous
• Live and be based close to Stockholm, Sweden as we offer Hybrid role
• Have strong analytical skills
• Be confident in challenging customer situations
• Find ease in navigating multiple systems to service our Customers

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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.