How to become a credit controller

You can get into this job through:

  • a college course
  • an apprenticeship
  • applying directly

College

You could do a Level 3 Certificate or Diploma in Financial Studies.

Entry requirements

Entry requirements for these courses vary.

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Apprenticeship

You may be able to get into this role through a credit controller or accounts and finance assistant intermediate apprenticeship, or advanced apprenticeship for credit controllers and debt collection specialists.

Entry requirements

You'll usually need:

  • some GCSEs, usually including English and maths, or equivalent, for an intermediate apprenticeship
  • 5 GCSEs at grades 9 to 4 (A* to C), or equivalent, including English and maths, for an advanced apprenticeship

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Direct Application

You can apply directly to be a credit controller, as many large companies will train you on the job. The qualifications and experience you'll need will vary, but most employers will expect you to have:

  • 3 to 5 GCSEs at grades 9 to 4 (A* to C), including maths, and sometimes college qualifications
  • the ability to use spreadsheets and computerised accounts packages
  • experience of office administration or customer service work

A qualification in bookkeeping or accounts can also be useful.

You may be able to move into credit control after getting experience in accounts, finance or debt collecting.

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Further information

You can get more details on working in credit control, and specialist in-work qualifications, from the Chartered Institute of Credit Management.

What it takes

Skills and knowledge

You'll need:

  • customer service skills
  • patience and the ability to remain calm in stressful situations
  • the ability to accept criticism and work well under pressure
  • to be thorough and pay attention to detail
  • ambition and a desire to succeed
  • administration skills
  • persistence and determination
  • excellent verbal communication skills
  • to be able to carry out basic tasks on a computer or hand-held device

Restrictions and Requirements

You'll need to:

  • have a full driving licence

What you'll do

Day-to-day tasks

In this role you could be:

  • contacting individuals or business customers when payment is overdue
  • checking credit records and tracing missing debtors
  • setting up repayment plans and working with debt counsellors
  • setting up and maintaining customer files
  • processing payments
  • starting legal proceedings if debts are not paid within an agreed time
  • liaising with solicitors and bailiffs

Working environment

You could work in an office or in a contact centre.

Career path and progression

With experience and professional qualifications, you could be promoted to credit manager.

You could also start your own collection agency or set up as a freelance field collection agent.

Current opportunities

Apprenticeships In England

Apprentice Accounts Assistant

  • Wage: £135.00 Weekly
  • Location: Stanley

Financial Admin Apprentice

  • Wage: £117.00 Weekly
  • Location: Keighley

Courses In England

AAT Level 4 Professional Diploma Credit Management

  • Provider: EALING, HAMMERSMITH & WEST LONDON COLLEGE
  • Start date: 01 March 2021
  • Location: London

AAT Level 4 Professional Diploma Credit Management

  • Provider: EALING, HAMMERSMITH & WEST LONDON COLLEGE
  • Start date: 25 January 2021
  • Location: London

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