.This job is with American Express, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ+ business community. Please do not contact the recruiter directly.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 company values 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.GCC, The Place To Be! In Global Commercial Credit (GCC) we are very excited to present the following job opportunity. This is a great time to join a fast-growing business unit, work with an enthusiastic group of colleagues, and develop your career.Why Global Commercial Credit? GCC has been a recently growing department within American Express, and here we are truly committed to the vision of providing the world's best credit and underwriting experience every day. Through our teams, we deliver superior service around the world by recovering delinquent balances and limiting American Express's exposure to losses from corporations, their card members, and from our Merchants.Covering nearly 30 markets, our team services over a dozen languages. This role as Merchant Credit Specialist, permanent position in the Merchant Credit team, will involve servicing the EMEA markets (Austria, Finland, France, Germany, Netherlands, Spain, Sweden, Belgium & Multicurrency). The team deals with merchant debit balance collections, insolvencies, and write-off prevention.Responsibilities: Responsible for contacting clients with overdue accounts to secure the settlement of the account.Preventive work to avoid future overdues with accounts that have a high exposure.Manage the collection of overdue payments.Understand customers' financial arrangements and requirements.Use negotiation and relationship management skills to provide win-win outcomes.Strategic decision making to drive customer loyalty and growth for the business.Outbound and Inbound calls with some back-office tasks.Secure repayment of overdue funds and avoid potential losses/write-offs.Work to the highest standards with a balanced delivery of both customer experience and shareholder value.Minimum Qualifications: Strong analytical mindset