Credit Card Specialist Job Description, Key Duties and Responsibilities

Credit Card Specialist job description, duties, tasks, and responsibilities.
Credit Card Specialists provide support to cardholders on all issues concerning their credit cards.

Credit Card Specialist Job Description, Key Duties and Responsibilities

If you are searching for the job description of a credit card specialist, then this post will help you to learn about the key duties, tasks, and responsibilities they commonly carry out.

This post will also show you the major requirements you may be asked to fulfill to be qualified to access the credit card specialist position with most organizations if you are seeking the role.

Please, continue reading:

What Does a Credit Card Specialist Do?

Credit card specialists are responsible for credit card operations management, including the administration, coordination, and management of routine and ad hoc operational activities.

They work with payment solution companies, banks, and other financial service institution.

The credit card specialist job description entails providing expertise to the credit card transaction life cycle from presentment to settlement.

He/she must ensure corporate compliance to the credit card line of business and assist team members in resolving disputes related to credit card refunds and charge backs.

It also involves the analysis of the organization’s card transaction flow and implementation of changes as necessary to enhance process efficiencies and optimize pricing.

Credit card specialists may also be required to review and provide business requirements for system design, process flow, and solutions for credit card processing.

They work with sales agents and merchants on top-level account issues related to transactions, batches, and terminal troubleshooting; PCI and basic statement questions.

They are also responsible for carrying out general client services such as responding to phone calls and emails, and data entry for setting up new clients; verifying and updating merchant’s business information within the firm’s CRM and managing work-flow related to a call queue and day to day time management.

The credit card specialist work description entails providing quality service to customers, assisting colleagues and clients with credit card questions, and providing guidance on credit card matters as needed.

To work as a credit card specialist requires at minimum a High School diploma plus years of experience.

Individuals seeking this job must also possess collaboration skills, communication skills, and customer service skills to perform the job successfully.

Credit Card Specialist Job Description Example/Sample/Template

Credit card specialists perform various functions managing different areas of job specialization, so their job description may vary.

For instance, there are credit card specialists working with collections groups, card processing, and card operations.

However, the major tasks, duties, and responsibilities that typically make the credit card specialist job description are listed below:

  • Manage the organization’s corporate purchasing card program such as the issuance, renewal, and modification; cancellation, records retention, and distribution lists; compliance issues and customer service (credit limit increases, policy interpretation, exception transaction processing, etc.)
  • Responsible for carrying out a thorough review of employee corporate and purchasing card transactions, analyzing spending trends, and consulting with employees on transactions to generate a detailed report on spending patterns and policy exceptions
  • Responsible for identifying violations to the corporate T&E Policy
  • Responsible for the daily liaison with credit card companies regarding accounts and product updates
  • Responsible for the provision of cardholder training, including quarterly presentations, and assisting with developing training aids
  • Render support to cardholders, data and technology department, human resources, and credit card administrators, and other groups to assist them with questions and concerns relating to corporate and purchasing card transactions and policies
  • Collaborate with relevant teams in performing corporate account reconciliation administration (monthly reconciliation, addition of new users, etc.)
  • Responsible for carrying out random transaction audits to ensure policy compliance.

Credit Card Specialist Job Description for Resume

If you have worked as a credit card specialist or are presently working in that role and are writing a resume for a new job, you will need to create a professional experience section in your resume.

The professional or job experience section of your resume is where you highlight the duties and responsibilities you have carried out in your work as a credit card specialist.

This serves as a proof to the recruiter that you sure have the experience needed to excel on the job.

You can easily apply the credit card specialist job description provided above in creating the professional experience section of your resume.

Credit Card Specialist Requirements – Skills, Knowledge, and Abilities for Career Success

When hiring for the credit card specialist role, the recruiter’s goal is to find the best candidates that can perform the obligations, purpose, and objectives of the available credit card specialist position.

To achieve their goal, recruiters have to present a list of requirements that applicants for the job must meet to be invited to an interview or hired.

The major requirements applicants may be expected to meet to gain employment for the position of a credit card specialist are shown below:

  • Education: Applicants are required to have at least a High School diploma or GED to work as a credit card specialist
  • Knowledge: It is important that applicants have an understanding of government credit card regulations, policies and procedures. They may also be required to have a working knowledge of Visa CitiManager (system of record), and experience in generating multiple reports on credit card usage and charges
  • Customer service skills: It is also important that applicants have the ability to take ownership of customer complaints and resolve conflicts and manage their expectations, as well as determine customer needs and provide appropriate solutions to them
  • Communication skills: The credit card specialist job involves large customer contact, so it is important that applicants have verbal and written communication skills to deal with internal and external customers, document customer account activities, and also actively listen to and engage with customers
  • Problem-solving skills: Applicants are also required to have problem-solving skills to approach problems logically and with good judgment and make appropriate decisions on behalf of the customer to ensure the appropriate customer outcome
  • Computer skills: Applicants must have advanced computer skills with Microsoft Office tools, especially MS Excel. They should be able to work with spreadsheet, applying formulas and pivot tables; sort data, use chart and graphs, and perform basic data analysis
  • Collaborative skills: They are required to possess the ability to interface with different units, as well as the ability to lead and work with a team.


If you are a recruiter or employer needing to hire for the credit card specialist role in your organization, you will need to make a comprehensive description of the position posted along with the job advert.

This will help to properly inform prospective candidates your expectations for the job; including the duties and responsibilities the successful candidate will be assigned.

You can make a detailed description of the available credit card specialist position by applying the sample job description shown above.

Individuals interested in the credit card specialist career will also find this post valuable as it helps increase their knowledge of the duties and responsibilities that are associated with the role.

Did you find this article helpful in learning about what credit card specialists do? Please, leave a comment in the box below. You may also share your job description if you work as a credit card specialist.