Collections Specialist

American Express is hiring Senior Collections Specialists within the Global Credit and Collections department to handle pre-agency and late-stage collections. This role involves collecting delinquent balances on Small Business and Consumer accounts, managing a portfolio that includes cancelled relationships and high-risk clients. The role requires strong negotiation and decision-making skills to ensure profitability while maximizing card member recovery.

Key Responsibilities

• Conduct inbound and outbound calls to discuss account statuses, consequences, and payment solutions.
• Reduce delinquent days and prevent call and account escalations.
• Work independently in a team-oriented, structured service center.
• Manage multiple tasks efficiently, maintaining high accuracy under tight deadlines.
• Engage in risk initiatives and skip tracing as necessary.
• Maintain strict adherence to American Express practices and policies.

Minimum Qualifications

• At least 3 years of recent collections experience or 3 years of sales experience with some collections exposure.
• Proven negotiation skills and ability to create payment arrangements.
• Demonstrated ability to manage multiple tasks with precision.
• High attention to detail and understanding of American Express policies.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Office and general PC skills.
• Knowledge of Fair Debt Collection Practices Act and relevant laws.
• Experience in commercial collections and third-party collections.

Education Requirements

• High School Diploma or GED.

Benefits Overview

• Competitive salaries and bonus incentives.
• 6% company match on retirement plans.
• Full medical, dental, and vision coverage, plus life and disability insurance.
• Paid parental leave (20+ weeks for all parents).
• Access to on-site wellness centers with medical staff (availability may vary).
• Confidential counseling support through the Healthy Minds program.
• Career growth, training programs, and professional development resources.