Merchant Credit Specialist

Job Description

You Lead the Way. We've Got Your Back.

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you'll learn and grow as we help you create a career journey that's unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you'll be recognized for your contributions, leadership, and impact-every colleague has the opportunity to share in the company's success. Together, we'll win as a team, striving to uphold our and powerful backing promise to provide the world's best customer experience every day. And we'll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let's lead the way together.

Merchant Credit Specialist (Dayshift)

Merchant Credit team is responsible for merchant debit balance recovery and providing premium service to American Express merchants located across the APAC region. Candidates are required to maximize collection on merchant debit balance dues while providing excellent customer service to our valued Australia, New Zealand, Singapore and Hong Kong merchants. The responsibility under this remit involves all related inquiries, account reconciliation, payment suspension, manual adjustment /debiting, financial gathering, handling clearance of merchant ledgers and merchant insolvency process.

Roles & responsibilities:

• Maximize merchant contact to establish right party contacts to drive/maximize collection ratio. Candidate is expected to utilize worldwide policies and procedures and strive to offer excellent customer service as well as providing first contact resolutions to our valued merchant.
• Investigate held/suspended payments with merchant and other internal department for resolution.
• Investigate dispute/chargeback cases and liaise with merchants/other internal department accordance to our standard policy.
• Investigate and manage queries related to merchant ledger reconciliation.
• Liaise with various internal departments such as Merchant Services, Dispute Team, Client managers & GMNS Risk partners.
• Perform account write offs and clean up activity for aging accounts
• Perform proactive Financial Gathering from merchants
• Review and raise payments adjustments to ensure owing balance are cleared.
• Work with financial controllership team to ensure accounting are done correctly
• This position reports to the Merchant Credit Team Leader.
• Attend team meetings and supports AEM employee activities to maintain a positive and effective work environment

Qualifications

• Candidate with at least 1-3 years call centre and/or hospitality background
• Candidate with experience in any collection/risk/ service industry will be added an advantage
• Experience in servicing ANZ/ HK/ SG market is valuable
• Good computer skills/familiarity of computer usage
• Have basic to intermediate knowledge on Microsoft Excel and Microsoft Word.
• Excellent customer service skills
• Strong analytical and problem-solving skills
• Ability to identify and act on issues that may impact customer experience
• Possess Operational Efficiency - turn-around/cycle time of working cases
• Change agent - adaptable and solution based
• Excellent command of English, both verbal & written communication skills.
• Additional languages such as Mandarin and/or Cantonese would be an advantage
• Team player with growth mindset and positive thinking
• Flexible to work on shifts hours as well as weekends & public holidays (when required).

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

• 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 or onsite 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.