Credit Risk Specialist (Japan Market)

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.

Job responsibilities:

• Understanding, monitoring and analyzing high risk accounts of card holders for Japan Market
• Perform analyzing the risk on the card holders and make appropriate suggestions for risk mitigation for high-risk accounts of cardholders.
• Investigation and review the degree of risk of the cardholders to prevent bad debts.
• Identify potential risks by analyzing the spending pattern and buying behavior and by asserting the intention of repayment.
• Suggestion on the method should be taken by justifying the problem is related to unauthorized use or actual credit problem.
• Effective use of support/info codes to identify high risk accounts and enable the system to pick up identified accounts
• Sharing of information and reports in partnership with business partners in Japan on an ongoing basis.
• Work closely with relevant departments especially business partner in Japan in identifying and reducing risk on delinquent/high risk accounts, potential bust out or factoring case.

What we’re looking for?

• In-depth understanding of Credit & CBO policy for Japan Market.
• Able to think out of the box.
• Strong analytical approach to problem solving,
• Good planning and organizational skills,
• Ability to communicate effectively, written and verbal,
• Ability to prioritize tasks, work with minimal supervision and lead when required.
• Flexibility with hours and work processes,
• Thorough understanding of WCC / Globestar, AR System, SWAP, Genesis preferred,
• Must have a strong interest for cross training, especially for other areas of the team (i.e. Factoring etc),
• Basic understanding of the work flow of other departments that have direct linkage with this role i.e. GMS Risk Ops, Credit Operations
• Fluent verbal and written in English and Japanese language.

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.