Credit Counselllor

**Responsibilities**:

- Conduct thorough financial assessments for clients.
- Analyze income, expenses, and debts to understand the overall financial situation.
- Provide one-on-one counseling to clients to discuss their debt situation.
- Educate clients on financial management, budgeting, and debt reduction strategies.
- Develop customized debt management plans for clients.
- Negotiate with creditors to establish manageable repayment terms.
- Help clients create realistic budgets.
- Provide guidance on prioritizing expenses and reducing discretionary spending.
- Review and analyze clients' credit reports.
- Identify inaccuracies and advise on steps to improve credit scores.
- Conduct workshops or seminars on financial literacy.
- Equip clients with the knowledge and skills to make informed financial decisions.
- Act as an advocate for clients in discussions with creditors.
- Negotiate for reduced interest rates, fees, or more favorable repayment terms.
- Stay informed about relevant laws and regulations related to debt management.
- Advise clients on their rights and responsibilities.
- Maintain accurate and confidential records of client interactions.
- Document progress and changes in financial situations.
- Provide ongoing support to clients throughout the debt management process.
- Address any concerns or challenges that may arise.

**Skills**:

- Excellent communication skills to convey complex financial information in a clear and understandable manner.
- Ability to empathize with clients facing financial difficulties.
- Provide emotional support while maintaining professionalism.
- Strong negotiation skills to liaise with creditors on behalf of clients.
- Secure favorable terms for debt repayment.
- Analytical skills to assess clients' financial situations and develop effective debt management plans.
- Understanding of and adherence to relevant laws and regulations in the credit counseling industry.
- Ability to identify financial challenges and develop practical solutions.
- Think creatively to address unique client situations.
- Manage multiple client cases efficiently.
- Keep detailed and organized records.
- Handle sensitive financial information with the utmost confidentiality.
- Adapt to changes in the financial situation of clients and adjust plans accordingly.
- Effectively manage time to provide timely and thorough support to clients.

**Job Types**: Full-time, Permanent, Fresher

**Salary**: ₹10,000.00 - ₹20,000.00 per month

**Benefits**:

- Cell phone reimbursement
- Internet reimbursement
- Paid sick time
- Paid time off

Schedule:

- Day shift

Supplemental pay types:

- Performance bonus

**Experience**:

- credit counsellor: 1 year (preferred)

Ability to Relocate:

- Koregaon Park, Pune, Maharashtra: Relocate before starting work (required)

Work Location: In person