Consumer Finance Sales Representative
しょうひしゃきんゆうえいぎょういん
Industry & Occupation
Classification
- Major : Sales and Marketing Occupations
- Middle : Sales Representative Occupations
- Minor : Financial and Insurance Sales Representatives
Summary
Consumer finance sales representatives handle sales roles from proposing and contracting personal financing products (card loans, cash advances) to following up on repayments.
Description
Consumer finance sales representatives propose financing products such as card loans and cash advances to individual customers, conduct credit screening, and prepare and check contract documents. After loan disbursement, they manage repayment schedules and follow up on delinquencies, thoroughly complying with laws and regulations while meeting customers' funding needs. In addition to branch office work, they engage in new customer acquisition through field sales or telemarketing, and customer management using CRM tools is required. They need high communication skills and risk management abilities while enduring pressure from quotas and complaint handling.
Future Outlook
In the money lending industry, regulatory strengthening and digitalization are progressing, with an increase in non-face-to-face screening and contracts. Sales representatives are required to handle online channels and utilize AI-based credit screening systems with new digital skills, while appropriate risk management and legal compliance abilities remain essential.
Personality Traits
Has Ambition / Has Negotiation Skills / Has Patience / Likes Communication
Work Style
Field Sales / Flex Time / Partial Remote Work / Store Work / Telemarketing
Career Path
New Salesperson → Team Leader → Branch Manager Candidate → Sales Planning → Sales Manager → Area Manager
Required Skills
Basic PC Operation / CRM Tool Operation / Contract Preparation / Credit Screening / Sales and Marketing
Recommended Skills
Communication Skills (English) / Debt Management / Financial Planning / Marketing Analysis
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Attention to Detail & Accuracy | Important for checking contracts and documents for legal compliance. |
| Communication Skills | Essential for building trust with customers and gathering their needs. |
| Initiative & Leadership | To proactively develop customers and promote proposal activities. |
| Stress Tolerance | Due to high pressure from quotas and complaint handling. |
Related Qualifications
- Money Lending Business Operations Chief
Aliases
- Card Loan Sales Representative
- Cash Advance Sales Representative
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- Credit Sales Representative
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