American Express este o companie globală de servicii financiare care activează în domeniile bancar, financiar și al plăților între companii. Activitatea sa include carduri de credit pentru consumatori, companii și corporații; servicii de plată și pentru comercianți; conturi de economii, certificate de depozit și împrumuturi personale; precum și programe de recompense, programe de călătorii, soluții de plată pentru companii, educație financiară, servicii de securitate și asistență pentru membrii care dețin carduri și pentru comercianți.
Portfolio Manager I, Legal Debt Recovery – American Express (Gurugram Hybrid)
Manage legal debt recovery, litigation, settlements, and compliance for American Express in India. Oversee law firms, regulators, recovery performance, and litigated account portfolios.
Descriere
- Develop and execute legal debt recovery strategies across delinquency segments
- Lead civil and criminal recovery proceedings, including arbitration, DRT, NI Act Section 138 cases, NCLT proceedings, and the Willful Defaulter process where applicable
- Oversee pre-litigation recovery activities, including legal notices and settlement discussions
- Monitor case progress and drive timely resolutions to improve recoveries
- Manage litigated account portfolios across multiple Indian jurisdictions
- Coordinate with empaneled law firms and advocates
- Review pleadings, affidavits, evidence, and legal notices
- Track hearings, confirm representation, and maintain case MIS
- Collaborate with Risk, Compliance, Controllership, Finance, Customer Experience, and senior leadership
- Provide legal guidance for credit and recovery policy development
- Report portfolio results, litigation exposure, and recovery trends to leadership
- Handle escalations from customers, regulators, and senior management
- Manage relationships with panel firms, advocates, recovery agencies, and investigators
- Work with regulators, ombudsman offices, and quasi-judicial authorities when required
- Negotiate settlements with high-value or sensitive customers
- Appoint, assess, and manage panel advocates and legal recovery agencies
- Negotiate external partner fees and service-level agreements
- Conduct regular vendor performance reviews and audits
- Ensure compliance with RBI guidelines, the Consumer Protection Act, Civil Procedure Code, Negotiable Instruments Act, DRT, Insolvency and Bankruptcy Code, data privacy requirements, and fair-practice codes
- Promote ethical recovery practices and reduce reputational exposure
- Identify legal risks in recovery operations and recommend corrective actions
- Maintain complete documentation and audit readiness
- Support internal and external audits
- Contribute legal guidance to policy revisions and process improvements
- Monitor recovery rates, case costs, case aging, legal turnaround time, and settlement ratios
- Prepare management dashboards and performance reports
- Recommend ways to improve legal recovery return on investment
- Work closely with Collections, Risk, Compliance, and Finance
- Manage high-value customer settlement negotiations
- Support strategic recovery decisions for management
Cerințe
- Law degree or equivalent legal qualification
- Strong understanding of Indian debt recovery laws
- Knowledge of litigation management and regulatory compliance
- Successful completion of a background verification check, subject to applicable laws and regulations
Beneficii
- Competitive base salary
- Bonus opportunities
- Financial-wellness and retirement support
- Medical, dental, vision, life insurance, and disability coverage, depending on location
- Flexible hybrid, onsite, or virtual work arrangements based on role and business needs
- Paid parental leave, depending on location
- Access to global onsite wellness centers staffed by nurses and doctors
- Confidential counseling through the Healthy Minds program
- Career development opportunities and training