Credit Specialist

At American Express, we believe in providing exceptional service and financial solutions to our customers. As a Credit Specialist, you will play a crucial role in ensuring our customers have access to the credit they need to achieve their financial goals. We are looking for a motivated and detail-oriented individual who is passionate about helping others and has a strong understanding of credit and financial management. If you thrive in a fast-paced environment and are dedicated to delivering outstanding customer experiences, we want to hear from you!

1. Evaluate and analyze customer credit applications to determine creditworthiness.
2. Make informed decisions on credit limits and terms based on company policies and procedures.
3. Communicate credit decisions to customers in a timely and professional manner.
4. Provide exceptional service to customers, answering any questions or concerns they may have regarding their credit.
5. Educate customers on credit management best practices and offer guidance on how to improve their credit score.
6. Review and monitor customer credit reports and accounts to identify potential risks and take appropriate actions.
7. Collaborate with internal teams to ensure accurate and timely processing of credit applications and requests.
8. Stay up-to-date on industry trends, regulations, and company policies related to credit and financial management.
9. Proactively identify opportunities to improve processes and procedures to enhance the customer experience.
10. Maintain accurate and detailed records of all credit-related interactions and transactions.
11. Assist with training and mentoring new credit team members.
12. Adhere to all compliance and regulatory guidelines.
13. Handle and resolve customer complaints and conflicts in a calm and professional manner.
14. Continuously strive to meet and exceed performance metrics and goals set by the company.
15. Conduct periodic reviews and updates of credit policies and procedures to ensure they are in line with company objectives.

According to JobzMall, the average salary range for a Credit Specialist in Gurugram, Haryana, India is approximately ₹3,00,000 to ₹6,00,000 per year. This can vary depending on the specific company, experience level, and other factors such as job responsibilities and performance. Some companies may offer higher salaries for more experienced or highly qualified Credit Specialists. Additionally, location can also play a role in determining salary, as salaries may be higher in major cities compared to smaller towns.

American Express Co. operates as a global services company, which engages in the provision of credit card, financial, and global travel services. It operates through the following business segments: U.S. Card Services, International Card Services, Global Commercial Services, Global Network & Merchant Services, and Corporate.