DEBT COUNSELLOR
17 February 2026
Durban
Sales
We are seeking a qualified and empathetic Debt Counsellor to assist clients who are experiencing financial distress. The successful candidate will conduct financial assessments, develop realistic repayment plans, negotiate with credit providers, and guide clients through the debt review process in line with the National Credit Act. This is a temporary position with the possibility of becoming permanent.
Qualifications and role requirements:
Desired Experience & Qualification
- Strong understanding of personal finance, credit, and debt management
- Excellent communication, negotiation, and problem-solving skills
- Empathetic approach with the ability to support clients emotionally
- Clear credit record
- Relevant qualification (advantageous; experience is key)
- Must be registered with the National Credit Regulator (NCR)
Duties & Responsibilities
Financial Assessment
- Review client income, expenses, and debts
- Determine level of over-indebtedness
- Analyse financial information to prepare suitable solutions
Budgeting and Planning
- Develop realistic budgets and repayment plans
- Prioritise essential living expenses
- Educate clients on responsible financial habits
Negotiation and Debt Restructuring
- Liaise with credit providers on behalf of clients
- Negotiate reduced instalments, interest rates, or consolidated payments
- Prepare and implement formal debt restructuring proposals
- Assist with court applications where required
Client Support
- Provide guidance throughout the debt review process
- Offer financial education and practical advice
- Support clients in managing financial stress
Compliance and Administration
- Ensure all activities comply with the National Credit Act
- Manage client documentation and case files
- Monitor repayment plans and progress
- Issue clearance certificates when debts are settled