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Finance & accounting

Credit controller

Credit controllers help firms get the money they are owed from businesses and individuals.

Annual Salary

£18,000 to £28,000

Average UK salary in 2019 was £30,378
(source Office for National Statistics)

Working hours

38 to 40 a week

You could work: evenings / weekends; on shifts

Future employment

There will be 3% fewer Credit controller jobs in 2026.
In your local area

Day to day tasks

In this role you could:

  • contact customers when payment is late
  • check credit records and find customers who owe money
  • set up repayment plans and work with debt counsellors
  • set up and maintain customer files
  • process payments
  • start legal processes if debts are not paid within an agreed time
  • work with solicitors and bailiffs

Working environment

You could work in an office, in a contact centre, from home or at a client's business.

You can get into this job through:

  • a college course
  • an apprenticeship
  • applying directly

You could do a college course that may give you some of the skills required to do this job.

Courses include:

  • Level 2 or 3 Diploma in Credit Management
  • Level 3 Certificate or Diploma in Financial Studies
  • T Level in Finance

Entry requirements

You may need:

  • 2 or more GCSEs at grades 9 to 3 (A* to D), or equivalent, for a level 2 course
  • 4 or 5 GCSEs at grades 9 to 4 (A* to C), or equivalent, for a level 3 course
  • 4 or 5 GCSEs at grades 9 to 4 (A* to C), or equivalent, including English and maths for a T level
For more information

You may be able to get into this role through the following apprenticeships:

  • credit controller and collector intermediate apprenticeship
  • accounts or finance assistant intermediate apprenticeship
  • advanced credit controller and debt collection specialist

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
For more information
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.

Most employers will expect you to have:

  • 3 to 5 GCSEs at grades 9 to 4 (A* to C), including maths
  • the ability to use spreadsheets and computer 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.

More information

Further information

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

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

You could also start your own collection agency or become a freelance collector.

Skills required and how your skills match up

What skills are required?

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
  • active listening skills
  • to be able to use a computer and the main software packages competently
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