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 main requirement for candidates - the
presence of 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.