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.

International Credit and Collections (ICC) strives to help Customers in need through the possible repayment options, and taking actions to recover balances, preventing losses for American Express. 

ICC is part of the broader Global Servicing (GS). Our team delivers superior service across the globe, maintaining Customer satisfaction at best-in-class levels. Everyone of our Junior Credit Analysts represents the American Express Brand. They are problem solvers and relationship builders, acting with energy and integrity.

How will you make an impact in this role?

The Junior Credit Analyst analyzes Cardmembers accounts, manages cards’ operativity, contacts and supports Customers with understanding how to clear delinquencies and return current with payments, provides general Credit related information, and uses different contact channels to provide excellent communication with Customers. All this is done delivering an exceptional Customer Service and acting in compliance with local rules and regulations.

Minimum Qualifications:

Ability to drive and support Customer to pay the past due amount Telephonic conversations management skills, both inbound and outbound Ability to ensure valuable contacts with Customers in a multi-channel environment (i.e. sms, email, phone, letters)  Inclination to drive the highest levels of Customer satisfaction and engagement Perform a verification activity on documentation received from Customer, delegates or other institutions, with the aim of managing credit card operativity Result driven mindset with focus on Collected amount, efficiency and quality metrics Productivity and focus on targets, being confident in giving and receiving feedback and in working to grow Strong verbal communication and engagement skills: professional, respectful and clear A passion for Customer service with exceptional listening and relationship building skills Team playing spirit, whilst able to take initiative and work independently Will to win attitude Self-motivation and positive thinking, being both creative and analytical Ability to retain a substantial amount of financial information, policies and procedural guidelines Ability to respond professionally to adverse situations in a pressured environment, making quick and accurate decisions A good level of experience with Microsoft Office package and familiarity with PC and common PC applications. Willingness to work in a shift pattern

Preferred Qualifications

Previous experience in a contact center environment A good level of English Language is strongly recommendable Good fluency in other foreign languages will be considered a plus

Employment eligibility to work with American Express in Italy 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.