Credit Controller

Job description

American Express is a global service company, providing customers with exceptional access to products and experiences that enrich lives and build business success.

Each day, we make it easier, safer and more rewarding for consumers and businesses to purchase the things they need and for merchants to sell their goods and services, enabling them to do and achieve more.

We're committed to becoming the world's most respected service brand and daily deliver extraordinary service to our customers, constantly reinventing our ways of working to ensure we offer rich rewards that redefine expectations for our clients and ourselves.

The position is primarily responsible for superior enhanced Risk services to our commercial client base. The successful candidate will be required to have previous Credit / Risk decisioning experience with regard to client dunning, financial reviews and spend enablement, working knowledge of the underwriting systems used by American Express as well as an up-to-date working knowledge of several proprietary and non-proprietary interfaces , proven knowledge of the MOS model and an extensive and current knowledge of current forms of application and maintenance of limits across all credit system platforms.

Responsibilities include the daily collecting of overdue payments, gathering financial data and high risk analysis. Additional responsibilities are working PARs, Global Limits, Cash limits and enabling corporate cards with payment supports. These will need to be executed with the highest levels of professionalism & service that maintains the brand whilst protecting shareholder losses.

Market responsibilities:

· Negotiation for and managing the collection of overdue payments across various control-levels for international markets and involving multiple currencies leveraging the corporate/client MOS model
· Understanding customers financial arrangements and requirements using internal and external sources and data
· Control-level high risk analysis.
· Secure repayment of overdue funds and avoid potential losses/write-offs
· Resolve and prevent future recurrence by educating customer / Program Administrators on capabilities of the corporate product.
· Able to use negotiation and relationship management skills to provide win-win outcomes.
· Ability to use judgmental decision making to drive customer loyalty and growth for the business.
· Good attention to detail and ability to follow QMP6 Compliance regulations.
· Manage internal stakeholders namely GCP, GCP Risk and GMS.
· Review and submit financials for re-rating/re-underwriting
· Ability to deal with difficult situations professionally.

Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

Desired profile

Required Skills:

·  Excellent interpersonal skills; communication (verbal & written)
·  Ability to demonstrate analytical and conceptual thinking
·  Extensive relationship management skills
·  Clear grasp of market segmentation criteria and impact on case set-up/risk treatment logic
·  Understanding of how to review and submit financials for re-rating-re-underwriting
·  Good working knowledge of Microsoft packages such as Excel, Word. PowerPoint.
·  Language skills – Fluent in Spanish, Swedish or Finnish would be an advantage

We place great importance on doing what is right, what is best and what is innovative. And we continue seeking people to champion these values and beliefs as we grow. The world's a big place, filled with big ideas and amazing people. And we want the best of them here at American Express. We're interested in where you came from, but we're even more excited about where you will go with American Express.

To complete your application please click on the links below. However, if you require any assistance with the completion of this process – or need any reasonable adjustments to be made – then please contact the Recruitment Team on or 00800 83 000038 (for Russia based candidates 810 800 83 000038).