**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. Global Servicing (GS) is responsible for the company’s customer service, travel & lifestyle, credit & collections, and fraud operations teams that serve our consumer, banking, merchant, and commercial customers around the world. GS provides the world’s best customer experience every day by building on Amex’s 175-year legacy of service excellence, leveraging new technologies and capabilities to drive innovation, and bringing a human touch to each customer interaction. **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. Core Responsibilities You will be part of a team that delivers world-class results, both for Card Members and the business. In your role, you will: + Handle incoming and outgoing calls for credit related matters + Analyse client portfolios and organise the credit process with local Credit teams + Make spend decisions based on risk assessment and card member and client profiles + Recommend and execute cancellation or suspension of spending privileges where required + Effectively negotiate and discuss alternate payment arrangements + Work to the highest standards with a balanced delivery of both customer experience and shareholder value Opening Hours Monday to Friday 8:00AM – 5:00PM – 40 hours per week. **Minimum Qualifications:** + Excellent interpersonal, relationship building and communication skills (German speaking) + Native German & English language skills + Passionate about American Express and customer service + Exceptional problem solving and decision making skills + Ability to use decision making to drive customer loyalty and growth for the business + Competitive and motivated + Ability to work both independently and in a team environment + Ability to take a professional approach to challenging situations + Ability to “think on your feet” 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. Considerations for sponsorship: Depending on factors such as business unit requirements, the nature of the position, cost and applicable laws, American Express may provide visa sponsorship for certain 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:** 25013978