Corporate Credit Account Credit Analyst

• To be responsible for manage risk and minimize card loss through a systematic credit operation control on procedures and policies.
• To work the case through though incoming and outgoing calls by managing risk and minimize credit loss through systematic decisioning and dunning procedures and ensure balancing with client satisfaction at certain level.
• To analyze risky cases to find root cause and make sound decisions to ensure we can manage acceptable risk.
• Work the case by inbound and outbound telephone contact.
• Ensure high standard of services are achieved with quality.
• Ensure all risks has been reviewed and manage effectively to minimize loss.

• Able to handle card member and Program Administrator independently.
• To effectively work the case through incoming and outgoing calls by utilizing systematic decisioning and dunning procedures and also balancing client satisfaction at certain level.
• To handle End to End process for Business Travel Account product.

• Ensure co-operate with colleagues and the other department smoothly.

   

• Conduct performance analysis, using all sort of data available including cardmember's payment history, spending, payment pattern as well as key financial information.

• Monitor and review cardmember's credit worthiness and credit history. to consider spending limit control.

   

• Alignment with the other departs to ensure customer's requirements are met.

   

• Ensure processes are in place to drive prioritization and timely decision making.

   

• Ensure to comply with all policies, procedure and compliance.

   

• Minimum 2 years of experience in credit analysis or a related field.
• Bachelor’s degree in Business Administration, Finance, or a related discipline preferred.
• Proven ability to perform effectively in a high-volume, fast-paced environment.
• Strong analytical thinking and problem-solving capabilities.
• Excellent negotiation and decision-making skills.
• Ability to manage both inbound and outbound tasks independently.
• Customer-focused mindset with a commitment to service excellence.
• Strong communication skills, with good command of written and spoken English.
• Demonstrated ability to collaborate effectively across cross-functional teams.
• Capable of multitasking and prioritizing workload efficiently.
• Proficient in Microsoft Office applications (Word, Excel, PowerPoint).
• Self-motivated, hardworking, and a strong team player.

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. From delivering differentiated products to providing world-class customer service, we operate with a strong risk mindset, ensuring we continue to uphold our brand promise of trust, security, and service.

As part of Team Amex, you’ll experience our 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.