# Competences — debt collector

Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/50a66df6-c141-4b4a-937a-d3bc55737ae3).

## Essential

- **assess customers** (skill/competence)
- **calculate debt costs** (skill/competence)
- **communicate with customers** (skill/competence)
- **create solutions to problems** (skill/competence)
- **credit control processes** (knowledge)
- **debt classification** (knowledge)
- **debt collection techniques** (knowledge)
- **debt systems** (knowledge)
- **enforce customer's debt repayment** (skill/competence)
- **facilitate official agreement** (skill/competence)
- **have computer literacy** (skill/competence)
- **keep task records** (skill/competence)
- **maintain client debt records** (skill/competence)
- **perform debt investigation** (skill/competence)
- **pose questions referring to documents** (skill/competence)
- **process payments** (skill/competence)
- **secure sensitive customer's information** (skill/competence)
- **show diplomacy** (skill/competence)
- **use communication techniques** (skill/competence)

## Optional

- civil process order (knowledge)
- consumer protection (knowledge)
- counsel clients (skill/competence)
- law of obligation (knowledge)
- meet deadlines (skill/competence)
- office software (knowledge)
- organisational structure (knowledge)
- present reports (skill/competence)
- product comprehension (knowledge)

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## Market evidence (job-ad analysis, 56 ads, as of 2026-07-11)

Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.

### Hard skills

- debt collection — **45 %**
- negotiation — **29 %**
- account management — **27 %**

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