Credit Authorizations Specialist

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.

Go above and beyond at a company that sets the standard for customer-first service.

Achieving best-in-class servicing effectiveness while meeting operational performance standards between enabling spend or taking actions to recover balances is what every Credit Authorizations Specialist do every day. In the Credit Operations team, you will join a group of driven and fun specialists focusing in reviewing customers profile, financial creditability and even creditworthiness to determine enabling spend and preventing losses. It is our upmost priority that the fine balance in decision making is in the best interest of American Express and our Card Members. So if you are ready to take on challenge and make an impact and be part of successful team and grow your career then we have the right job here. The successful candidate will be located in American Express Malaysia as part of the Credit Operations Team.

Responsibilities include but are not limited to:

• Update card member account details with precision and attention to detail. 


• Respond to internal colleague inquiries in clear English writing.


• Review, analyze, and process credit limit increase requests from cardmembers and managing risk effectively.


• Turn each correspondence into a relationship-building experience.


• Navigate customer inquiries comprehensively, ensuring full compliance with company policies from start to finish.


• Handling a wide range of general and complex inquiries and problems including perform credit limit review and spend enablement review by mitigate risk.


• Understand, determine and anticipate customer needs and present solutions as appropriate.


• Adapt seamlessly to evolving business needs, policy adjustments, and process enhancements.


• Understand and follow the market specific (local law) requirements in each case handling.


• Collaborate seamlessly within a team environment, driven by a commitment to not just meet but exceed performance expectations.


• Efficiently handle high-volume reporting tasks with precision and swiftness.


• Market served: Multiple International Market.

Minimum Qualifications

• Any customer servicing or customer facing background is basic requirement Credit, collection, recovery and spend enablement decision making experience would be an added advantage.


• Excellent communication skills in English both verbal and written. Additional languages such as Mandarin or Cantonese would be advantageous.


• Good interpersonal skills, mature and patience in handling difficult customers.


• Good analytical skills with attention to accuracy and detail.


• Able to make sound decisions effectively and promptly.


• Good interpersonal skills and diverse in thinking


• Must be able to work toward deadlines and handle multiple tasks.


• Proficient in MS Word, Excel.

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.