Credit Sales Representative
しんぱんえいぎょういん
Industry & Occupation
Classification
- Major : Sales and Marketing Occupations
- Middle : Sales Representative Occupations
- Minor : Financial and Insurance Sales Representatives
Summary
Proposes and sells credit sales products such as credit cards and loans to customers, handling sales roles from credit screening to contracts and receivables management.
Description
Credit sales representatives propose credit sales products such as credit cards, auto loans, and shopping credit to individual and corporate customers, and conclude contracts. They handle a wide range of tasks, including procedures for credit screening requests from customers, explanations of screening results, contract document preparation, post-use receivables management, and collection correspondence. Sales channels include store visits, corporate visits, phone, and web, requiring proposals for repayment plans tailored to customer needs and sales promotion activities. Utilizing product knowledge, financial knowledge, communication skills, and numerical management skills to build trust with customers and achieve targets.
Future Outlook
With the progress of cashless society and fintech, online credit sales services are expanding. The importance of sales methods using digital channels and customer data analysis is increasing, and demand for personnel who can combine IT skills and financial knowledge is expected to grow in the future.
Personality Traits
Excellent communication skills / Honest / Patient / Strong sense of responsibility
Work Style
Career Path
Sales Representative → Senior Sales Representative → Team Leader → Sales Manager → Branch Manager
Required Skills
Contract Procedures / Credit Screening / Customer Negotiations / Receivables Management
Recommended Skills
CRM/SFA Tool Operation / Excel (Advanced) / Financial Product Knowledge / Presentation Skills
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | Because it requires analyzing customer credit information and making credit judgments. |
| Attention to Detail & Accuracy | Because it is necessary to handle contract documents and screening results accurately. |
| Communication Skills | Because negotiations and discussions with customers occur frequently. |
| Stress Tolerance | Because stress is high due to target achievement and collection correspondence. |
Related Qualifications
- FP Practitioner
- Lending Business Operator
Aliases
- Credit Sales
- Credit Sales Sales
Related Jobs
- Bank Teller
- Consumer Finance Sales Representative
- Insurance Sales Representative
- Securities Sales Representative