**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. In Global Commercial Credit (GCC) we are very excited to present the following job opportunity. This is a great time to join a fast-growing business unit, work with an enthusiastic group of colleagues and develop your career. Why Global Commercial Credit? GCC has been a recently growing department within American Express, and here we are truly committed to the vision of providing the world’s best credit and underwriting experience every day. Through our teams, we deliver superior service around the world by recovering delinquent balances and limiting American Express’s exposure to losses from corporations, their card members and from our Merchants. Covering nearly 30 markets, our team services over a dozen languages. This role as Merchant Credit Specialist, permanent position in the Merchant Credit team, will involve servicing the EMEA markets (Austria, Finland, France, Germany, Netherlands, Spain, Sweden, Belgium & Multicurrency). The team deals with merchant debit balance collections, insolvencies and write-off prevention. This is a role in the collections function. This is an excellent opportunity to join a positive, multicultural and multilingual team servicing our merchants. **How will you make an impact in this role?** Responsible for contacting clients with overdue accounts to secure the settlement of the account. Also they do preventive work to avoid future overdues with accounts that have a high exposure. + Manage the collection of overdue payments. + Understand customers financial arrangements and requirements. + Use negotiation and relationship management skills to provide win-win outcomes. + Strategic decision making to drive customer loyalty and growth for the business. + Outbound and Inbound calls with some back-office tasks. + Secure repayment of overdue funds and avoid potential losses/write-offs. + Work to the highest standards with a balanced delivery of both customer experience and shareholder value. **Minimum Qualifications:** + Strong analytical mindset. + Strong numeric skills. + Excellent interpersonal, relationship building and communication skills. + Ability to work both independently and in a team environment. + Ability to take a professional approach to challenging situations. + Understanding customers financial arrangements and requirements. + English Fluent another European language: French, German, Spanish, Swedish, Finnish... Non-considerations for sponsorship: Employment eligibility to work with American Express in Spain is required as the company will not pursue visa sponsorship for these positions. **Qualifications** 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. **Job:** Credit **Primary Location:** Spain-Madrid-Madrid **Schedule** Full-time **Req ID:** 25016788