One of the most important professions in the time of crisis - Collector

That is why these professionals are so important communication skills, knowledge of legislation and psychological stability.

general description

To date, credit default occurs quite frequently. To combat this phenomenon are called collectors - specialists in debt collection, debt collectors or professional (from the English collect -. «Collect»).

Previously, the post of collector is often involved former employees of law enforcement agencies and the military left. The emphasis is on process rather aggressive debt collection. Today, the main duty of the collector - not just to collect the debt, but to offer a person a variety of economic solutions to the problem, ie, to become for him a kind of financial advisor...

The collector has to help the debtor to understand the pattern of payments, the budget plan and the debt repayment scheme, to find embodiments of regular payments to pay off the debt.

Therefore, the basic requirement for applicants - Completed higher education: economic, financial or legal. However, one can often find a collector having a diploma of a teacher or a psychologist.

According to experts of the personnel market, even if the candidate does not have a higher education, but shows excellent communication skills and a deep knowledge of psychology, it can also apply for this position.

Functional responsibilities

collector work involves, above all, communication with customers, past due repayment of the debt (informing, negotiating on the debt payment; advising clients on the occurrence / repayment of debt, the calculation of arrears, conflict resolution).

The main responsibilities of the collector includes:

 implementation of the procedures included in the process of collection of arrears in strict accordance with the established timeframe and the current policy of the company to work with debtors;

 further development of the existing algorithm of the arrears;

 calculation of arrears for the transfer of cases to the court;

 preparation of reports for clients-debtors;

 advising clients and colleagues on the collection of arrears.

skills

collector profession appeared not so long ago, so no one expects to see a specialist with years of experience in this field. However, certain suggestions to the applicants still there. Demand for candidates with experience in the financial, banking, legal field or have experience directly related to the collection of bad debts. In addition, we must know the law relating to the collection of debts, as well as knowledge of the principles of the Russian accounting.

You also need to have computer knowledge, be able to work with databases, because collectors have access to the data bases of banks, insurance companies, central address bureau, public utilities companies, local telephone network, the credit bureaus.

If the employer company - international, the candidate must be proficient in English at the Intermediate level.

Additional requirements: mobility, willingness to travel, ability to work in a team.

Candidate for the post of collector must also have good communication skills - be flexible, but at the same time firm, set clear goals and aggressively to achieve results, to understand human psychology.

Advantages and disadvantages

On the one hand, the position of the collector involves communicating with people, a fruitful exchange of experience in the team, a certain creative component. Despite the fact that collectors communicate with customers in advance spelled scenarios, each person and each situation is unique. It is a dynamic work involving travel to meetings at the customer's premises, including in the regions. Collectors are constantly learning, adopt the valuable practical experience from their colleagues and become vitally important skills that are applicable in any field involves working with people.

On the other hand, often "debtors" feel backed into a corner: time goes on, run over penalties for late payments ... It is the collector has to withstand tears, insults and even threats of customers, so the work of these specialists is stressful character.

prospects

Career opportunities in this area - to become the leader of one of the departments: soft-collection (recovery of debts at an early stage - from 30 to 90 days from the date of its occurrence), hard-collection (debt recovery at a later stage - more than 90 days), legal or head of collection service.

In addition, working collector, a person expands their horizons, acquiring a wealth of practical experience in dealing with people, knowledge of credit products and legal aspects. The knowledge and skills allow employment in many spheres - continue to work in the bank directly with banking products or switch to another sector, such as in sales.

Until recently, banks are willing to give loans, and analysts predicted further increase in arrears. Consequently, the work of collectors have had to be added only. In connection with the banking crisis, the situation has changed, but how it will affect the demand for collectors to estimate will only be possible after a few months.