American Express Apprentice Hiring 2026: Commercial & Banking Servicing | Job ID 26011473

Company :- American Express India (Team Amex)
Job Title :- Apprentice – Commercial, Merchant and Banking Servicing
Job Identification / Requisition ID :- 26011473
Job Category :- Operations / Customer Service & Travel
Work Model :- Hybrid (Combination of on-site and remote work based on operational needs)
Job Schedule & Shift :- Full-time | 24/7 Rotational Shifts (including Night Shifts & Rotational Days Off)
Location :- Gurugram, Haryana, India (AMEX Sub Tehsil Kadipur, 122004)

American Express is a global financial services leader renowned for providing premium credit card, merchant, and banking services. The Commercial, Merchant, and Banking Servicing team acts as the direct line of support for Small Business Card Members and commercial banking clients.

As an Apprentice, you will undergo structured corporate training while directly contributing to servicing activities. You will assist Small Business Card Members with account maintenance, query resolution, and card benefit optimization, delivering First-Contact Resolution (FCR) in a highly compliant and fast-paced operational environment.

• Customer Servicing & Value Generation: Interact with Small Business Card Members to resolve financial, maintenance, and account queries. Assess customer profiles and needs to recommend relevant card benefits and features while driving spend engagement.
• Issue Resolution & FCR: Apply active call-handling and communication skills to resolve complex inquiries efficiently during first contact.
• Compliance & Quality Adherence: Strictly adhere to internal risk management protocols, service guidelines, customer confidentiality, and regulatory compliance standards.
• Operational Feedback: Identify recurring customer friction points and recommend workflow or procedural updates to improve overall service quality.

Mandatory Academic & Eligibility Rules

• Degree Level: Bachelor’s Degree in any discipline from a recognized university.
• Educational Gap Limit: Not more than 5 years of gap/difference between your highest degree completion date and your joining date.
• Government Apprenticeship Restriction: Must NOT have been previously enrolled in any Indian Government Apprenticeship program (e.g., NATS/NAPS).

Preferred Skills & Attributes

• Communication Skills: Excellent verbal and written English communication skills with strong active listening capabilities.
• Technical Proficiency: basic computer applications (Microsoft Office Suite: Excel, Word, Outlook).
• Shift Flexibility: Willingness to work in a 24/7 environment involving rotational night shifts and changing rest days.
• Operational Mindset: Strong attention to detail, decision-making capabilities under time constraints, and ability to handle confidential customer financial data responsibly.

• Estimated Apprentice Stipend: ₹3.8 LPA to ₹5.5 LPA (approx. ₹28,000 to ₹40,000 per month depending on shift allowances and fixed components).
• Transportation & Facilities: Free door-to-door cab facility (during night shifts/standard shifts per Amex transport policy) and subsidized/free meals at the Gurugram campus.
• Work Culture: Hybrid work arrangement, comprehensive wellness support, and potential consideration for regular full-time Customer Care Professional (CCP) roles based on performance during the apprenticeship.

1. Application & Resume Screening (Checking Bachelor's Degree, <5 Yrs Education Gap, & No Prior Govt Apprenticeship)
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2. Online Assessment (English Language Proficiency, Logical Reasoning, & Situational Customer Care Scenarios)
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3. Technical / Voice Evaluation Round (Assessing Communication, Call Handling Logic, Accent Neutrality, & Problem-Solving)
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4. Managerial Interview (Customer empathy scenarios, adaptability to 24/7 night shifts, and situational roleplay)
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5. HR Round & Background Verification Check (Document verification, educational gap check, and offer issuance)

• Customer Centricity & Empathy: Understand the concept of First Contact Resolution (FCR) and how to handle demanding business customers with professionalism.
• Situational Scenarios: Be prepared to answer “How would you handle a customer upset about an annual fee or card decline?”
• Communication & Accent Neutrality: Focus on clear articulation, structured responses, and active listening.

Technical & Functional Keywords

• Customer Relationship Management (CRM)
• First Contact Resolution (FCR)
• Commercial & Merchant Servicing
• Financial Account Servicing
• Regulatory Compliance & Risk Management
• Quality Assurance & Process Improvement
• Microsoft Office Suite (Excel, Word)

• Strong Communication & Interpersonal Skills
• Attention to Detail & Accuracy
• Adaptability to 24/7 Rotational Shifts
• Problem-Solving & Customer Empathy

1. What is the Job Identification ID for this posting?

The official job ID is 26011473.

2. Who is eligible to apply for this apprenticeship?

Any graduate with a Bachelor’s degree who has no more than a 5-year gap since graduation and has never been enrolled in a government apprenticeship program.

3. Is this a permanent full-time position?

This is a fixed-term Apprentice contractual engagement designed to provide hands-on training, with potential pathways to full-time roles based on operational performance and openings.

4. Where is the job location?

The role is based at American Express’s campus in Sub Tehsil Kadipur, Gurugram, Haryana (122004) operating on a Hybrid work model.