Credit Settlement Clerk
さいけんせいりかかりいん
Industry & Occupation
Classification
Summary
An office job in companies or financial institutions that manages, collects, and organizes accounts receivable from clients.
Description
Credit settlement clerks in banks, consumer finance companies, or corporate accounting departments manage and collect receivables such as accounts receivable and loans, processing them appropriately. In cases of payment delays, they urge debtors via phone or in writing, assist in negotiating installment payments or formulating repayment plans. If collection is deemed difficult, they request or execute legal measures (registered mail, litigation procedures, seizures). They may also handle accounting processes such as credit management and provisions for doubtful accounts. They undertake a wide range of tasks including operating debt management systems, coordinating with related departments and clients, and developing internal regulations.
Future Outlook
With an aging population and changes in the economic environment, the importance of receivables management is increasing, and demand is expected to remain stable due to strengthened corporate credit management. Advances in business efficiency through digitalization and AI utilization will make acquiring IT skills a key differentiating factor in the future.
Personality Traits
Excellent communication skills / Good at negotiation / Honest / Patient
Work Style
Customer service / Flexitime / Office work / Remote possible / Team work
Career Path
Credit settlement clerk → Credit management leader → Credit management manager → Credit risk analyst → Legal and compliance officer
Required Skills
Accounting knowledge / Allowance for doubtful accounts knowledge / Debt collection / Debt management system operation
Recommended Skills
Business document creation / Communication skills / Legal knowledge / Negotiation skills
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Attention to Detail & Accuracy | Because accurate management of amounts, dates, etc., is required. |
| Communication Skills | Because there is a lot of negotiation and explanation with debtors. |
| Problem Solving | Because problem-solving skills are essential for setting complex repayment conditions and legal procedures. |
| Stress Tolerance | Because the stress of collection work is high. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because work follows existing procedures. |
| Physical Stamina & Endurance | Because it is mainly desk work with little physical burden. |
Aliases
- Credit Management Clerk
Related Jobs
- Collection Agency Officer
- Credit Investigator
- Credit Management Officer