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American Express

Issues credit cards and runs a payment network

Customer Service Credit Specialist - German Speaker

Retail & Commercial BankingUpdated on Nov 12
Full-timeMadrid, SpainNo salary listedIn-person

About the Job

Requirements

  • Native German and English language skills.
  • Excellent interpersonal, relationship-building, and communication skills in German.
  • Exceptional problem-solving and decision-making skills.
  • Ability to use decision-making to drive customer loyalty and business growth.
  • Ability to work independently and in a team environment.
  • Ability to take a professional approach to challenging situations.

Responsibilities

  • Contact clients with overdue accounts to secure account settlement and perform preventive work to avoid future overdues for high-exposure accounts.
  • Handle incoming and outgoing calls for credit-related matters.
  • Analyze client portfolios and organize the credit process with local Credit teams.
  • Make spending decisions based on risk assessment and card member and client profiles.
  • Recommend and execute cancellation or suspension of spending privileges where required.
  • Negotiate and discuss alternate payment arrangements.
  • Work to high standards while balancing customer experience and shareholder value.

About the Company

American Express

Issues credit cards and runs a payment network

American Express issues credit and pay-in-full charge cards to consumers and businesses, and unlike most card issuers it also runs the payment network its cards use. Its Travelers Cheque, launched in 1891, made carrying money abroad safer, and in 1959 it became the first major issuer of plastic cards. Cardholders earn points toward flights and hotels plus perks such as airport lounges, while companies use its corporate cards for employee travel and expenses. American Express earns a fee from merchants on each purchase, plus annual fees and interest on balances cardholders carry. Henry Wells and William Fargo, who later started Wells Fargo, co-founded it in 1850 as a freight delivery business; it is based in New York City.

Company size
10,001+
Company stage
IPO
Headquarters
New York City, New York
Founded
1850

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