Credit controllers
Credit controllers perform financial, administrative and other tasks in relation to credit control and debt collection.
- Employees (UK)
- 24k
- Median annual pay
- £26,981
- Exposure score ?
- 2.4/10 Low 9.5/10 Very high strict reading, with tools is 9.5/10 with-tools reading, strict is 2.4/10
- Wage exposure
- £155m £615m
Higher exposure than 86% of the 379 UK occupations we scored.
What this score means.
A few tasks in this role are within reach of AI, mostly paperwork, scheduling and routine writing. The shape of the role stays the same, and some parts get faster.
If you are in this role
Pick the two or three most repetitive things in your week and try a model on them. Most people underestimate what Claude or ChatGPT already does with admin-shaped work. The time you get back is the gain.
Almost every routine task in this role is within reach of today's models. Roles like this are being rebuilt, usually not by disappearing but by one person using AI to produce what several did.
If you are in this role
Be the person doing the rebuilding. People who learn to run this kind of work with AI become very valuable, and the ones who wait tend to have the change made for them.
Where the work usually starts.
These are the most important tasks a language model can already handle directly. In a typical engagement the first wins come from building workflows around them, so they stop eating the team's time.
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Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
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Review loan agreements to ensure that they are complete and accurate according to policy.
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Compute payment schedules.
These are the most important tasks AI can already handle when paired with the right tools and context. The first wins usually come from building workflows around them. That is the difference between a model that could do the job and one that actually does it inside your business.
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Meet with applicants to obtain information for loan applications and to answer questions about the process.
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Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
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Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Every role has three or four places like these. Finding them takes an hour. Turning them into a workflow your team actually uses takes a few days.
Every task in the role.
Every O*NET task for this occupation, split by what AI can do unaided and what still needs a person. Importance is O*NET's 1 to 5 rating of how central each task is.
Tasks via O*NET "Loan Officers" (13-2072.00).
What AI can already do
6 of 30 tasks, unaided
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Review loan agreements to ensure that they are complete and accurate according to policy.
Compute payment schedules.
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
Authorize or sign mail collection letters.
Review billing for accuracy.
What still needs a person
24 of 30 tasks
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Submit applications to credit analysts for verification and recommendation.
Review and update credit and loan files.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Work with clients to identify their financial goals and to find ways of reaching those goals.
Handle customer complaints and take appropriate action to resolve them.
Supervise loan personnel.
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
Analyze potential loan markets and develop referral networks to locate prospects for loans.
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
Assist in selection of financial award candidates using electronic databases to certify loan eligibility.
Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
Confer with underwriters to resolve mortgage application problems.
Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.
Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.
Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
Inform individuals and groups about the financial assistance available to college or university students.
Maintain and review account records, updating and recategorizing them according to status changes.
Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.
Review accounts to determine write-offs for collection agencies.
Tasks via O*NET "Loan Officers" (13-2072.00).
What AI can already do
29 of 30 tasks, with tools
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Submit applications to credit analysts for verification and recommendation.
Review loan agreements to ensure that they are complete and accurate according to policy.
Review and update credit and loan files.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Work with clients to identify their financial goals and to find ways of reaching those goals.
Handle customer complaints and take appropriate action to resolve them.
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
Analyze potential loan markets and develop referral networks to locate prospects for loans.
Compute payment schedules.
Prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
Set credit policies, credit lines, procedures and standards in conjunction with senior managers.
Authorize or sign mail collection letters.
Review billing for accuracy.
Assist in selection of financial award candidates using electronic databases to certify loan eligibility.
Calculate amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
Confer with underwriters to resolve mortgage application problems.
Contact applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
Contact borrowers with delinquent accounts to obtain payment in full or to negotiate repayment plans.
Counsel clients on personal and family financial problems, such as excessive spending or borrowing of funds.
Establish payment priorities according to credit terms and interest rates to reduce clients' overall costs.
Inform individuals and groups about the financial assistance available to college or university students.
Maintain and review account records, updating and recategorizing them according to status changes.
Match individuals' needs and eligibility with available financial aid programs to provide informed recommendations.
Review accounts to determine write-offs for collection agencies.
What still needs a person
1 of 30 tasks
Supervise loan personnel.
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Related occupations.
Other roles in Administrative and secretarial occupations, and roles close by exposure.
What it means for your sector.
This role's score comes from Eloundou et al's 2023 task labels, weighted by O*NET importance within each O*NET-SOC code, then bridged to UK SOC 2020 through ISCO-08 (the ONS coding index) and US SOC 2010 (the BLS crosswalk). Employment and median pay come from ONS ASHE Table 14.7a, 2025 provisional, which covers employees only.
Back to the mapMethodologySources (PDF)Built 29 April 2026
Pictures
- "Census pantograph and 1930s keypunches" by U.S. Census Bureau employees, public domain, via Wikimedia Commons
- "Shepard Barclay, St. Louis lawyer, in his office" by Missouri Historical Society via DPLA, no known copyright restrictions, via Wikimedia Commons
- "Accountant's Office LCCN2016824374" by National Photo Company Collection, public domain, via Wikimedia Commons
- "Employment service in Oulu in the spring 1931" by Finnish Heritage Agency (Museovirasto), CC BY 4.0, via Wikimedia Commons