Credit Specialist

Our Consumer Credit department is fundamental in that process, encompassing a variety of different teams who strive to ensure that these ideals are constantly upheld.

The Current team is a dynamic, innovative team within the servicing network, who provide powerful backing to our customers through phone servicing. The range of credit related queries can include Card Member spending patterns, including high balance spending and a review of line of credit reductions.

Our Brighton office is a fast-paced service center environment. In this role, you will be contracted to 35hrs per week, across 5 days. Shifts for this role cover a variety of times, between the hours of 7am – 9pm, Monday – Sunday.

Minimum Qualifications

• Experience in customer service or collections, preferably over the phone and handling credit line management and affordability reviews.
• Excellent verbal communication skills, with the ability to explain credit decisions clearly and professionally.
• Ability to assess risk, interpret credit reports and make informed decisions.
• Ability to deliver premium customer service, whilst being a passionate American Express brand ambassador.
Ability to manage multiple tasks and prioritise urgent customer cases in a fast-paced environment.

Preferred Qualifications

• Experience in Credit & Collections, handling credit line management and affordability reviews - preferrable.
• Prior experience in a phone-based role.

• Knowledge of financial regulations and compliance standards related to collections.

Employment eligibility to work with American Express in the UK is required as the company will not pursue visa sponsorship for these positions.

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.

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.