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?

Credit Operations main responsibilities are among the 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.  

 What you will be up to:   

Handling inbound and outbound 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.    

  Minimum Qualifications 

Proficient in Finnish, Swedish and English, verbal and in writing.   

Live and be based in Stockholm, Hybrid role 

Have strong analytical skills  

Be confident in challenging customer situations  

Find ease in navigate multiple systems to service our customers  

Non-considerations for sponsorship: 

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

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.