**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. **How will you make an impact in this role?** Responsible for contacting customers with early-stage past due accounts to secure payments, resolve delinquencies, and prevent accounts from progressing to later stages of collections, while maintaining a positive customer experience. **Key Responsibilities:** + Contact customers via phone regarding early-stage past due accounts. + Educate customers on outstanding balances, due dates, and payment options. + Negotiate and set up payment arrangements when required. + Encourage timely payments to minimize delinquency and charge-off risk. + Identify reasons for delinquency and document accurate account notes. + Ensure compliance with all regulatory, legal, and company policies. + Handle customer concerns professionally and provide appropriate resolutions. + Meet productivity, quality, and recovery targets consistently. + Escalate complex or high-risk accounts as per internal guidelines. **Minimum Qualifications** + Bachelor’s degree + Not more than 5 years of difference between highest education degree completion date and joining date + Should not have enrolled in any prior Government Apprenticeship programs + Strong attention to detail and accuracy + Good communication and interpersonal skills + A willingness to learn and adapt to new tasks and challenges * Ability to maintain confidentiality **Preferred Qualifications** + Proficiency in basic computer applications (e.g., Microsoft Office Suite) + Ability to work effectively in a team environment **Additional Requirements:** + Flexibility to work anytime in US hours (24 * 7 rotational shifts), including weekends. + Hybrid Environment- on site expectation 3 days/week. + Workplace Flexibility: Full time. Shift flexibility requirements. + American Express offers a fantastic and diverse working environment. **Qualifications** 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: + Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need + Career development and training opportunities **Job:** Credit **Primary Location:** India-Haryana-Gurugram **Schedule** Full-time **Req ID:** 26001948