How about the credit audit of microfinance companies? Is the salary high? Are you tired? If you are a collection specialist, is it better to be a collection company or a small loan?

The salary of the primary credit review will not be too high. The general work content is to sort out customer information, verify by phone, and maybe go out to inspect customers.

It would be better if you were a credit supervisor, with a good salary and bright career prospects.

Most of the small loans are not collected by collectors, and a small number of overdue loans are collected by internal companies, that is, ordinary loan officers. Serious overdue will find a collection company.

If you look at the recruitment requirements for collectors (veterans are preferred), you will know that it is difficult for ordinary collectors to have a big future. If you have been a soldier and worked as a direct supervisor in this company for several years, it is too difficult for ordinary people to do this.

It is better to check the credit of small loans, especially the loan officers of large companies.

In the credit industry, which is more technical and has career development prospects, collection or credit reporting?

Let me explain my company.

The risk control department of our company is divided into credit department and legal department. The collection is returned to the credit department, and both credit audit departments do it, but the division of labor is extremely unclear and there is a lot of duplication of work.

The narrow collection is easy to understand, while the broad collection is more complicated.

For example, in a foreign-funded financial institution I applied for before, their collection was called a collection specialist, whose job was basically to inform customers that "your overdue case has been sent to our legal department, please pay it as soon as possible, and we will take legal measures after N days". At the same time, we are already preparing some litigation materials, and then we will contact external lawyers or resident lawyers to conduct civil litigation together when the time is up. The job is to prepare materials, write legal documents, and then appear in court with lawyers.

In the company where I work now, the collection work is just two buddies in the credit department calling for debts every day. There was no hope of debt collection, and our legal department began to prepare litigation materials.

Therefore, the simple way to collect money is to call, and the complicated way can be to call, go out to the field, prepare litigation materials, and contact a lawyer to appear in court. . But in general, there are not many parts of the postgraduate entrance examination ability.

At present, the legal departments of many companies are still in the initial stage of preparation, and it is very common that the internal division of labor of risk control is unclear. If you want to collect, don't enter a small company. In addition to telephone calls, some companies that go out to collect debts generally outsource them to third parties.

Credit review is more difficult and more technical than collection. The job of the credit review is to look at the company. Banks take three steps: case review, electronic review and face-to-face review. Generally speaking, the face-to-face audit of small companies is absent or accounts for a small proportion, and more attention is paid to electronic audit. In fact, there is a great possibility of fraud in electronic audit. However, increasing face-to-face audit will bring operating costs and the risk of customer loss, which should not change much in a short time. But even so, I learned more than just collecting. For example, it will bring you a lot of benefits to look at the credit information, check the authenticity of the documents, and then go out to help others change the credit information after you get used to it, but this kind of thing can't be done if you think positively.

Comprehensive consideration. Letter of recommendation review.