How to become a Credit Manager

Official Chinese title (2022 occupational classification): 信用管理师

Also called: Data Governance Officer, Due Diligence Investigator, Credit Model Developer and Analyst, Credit Rating Analyst

Handles credit related technical work in a business, such as sales on credit and other credit transactions, credit risk control, credit checks and credit rating.

Main tasks

• Drafting credit policies and guidelines for the business and designing procedures to prevent, control and transfer business and consumer credit risk
• Helping the business set up its own credit system in line with national credit standards
• Combining credit reports, ratings, guarantees, debt collection and other products and services to manage credit risk day to day
• Collecting customer credit information and rating customers' risk or calculating personal credit scores from credit files
• Managing commercial contracts, warning customers based on the age of receivables, and transferring risk through factoring, credit insurance, guarantees and debt trading
• Handling overdue accounts through outside collection agencies or legal action and verifying and reporting bad debts
• Choosing suitable credit databases on the market or using big data services
• Investigating and analysing credit information and assigning credit ratings

Ways in

• Vocational majors: Higher vocational college (高职专科) major: Applied Foreign Languages (570208). Vocational major 570208 Applied Foreign Languages (应用外语), 3 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向).; Higher vocational college (高职专科) major: Applied Japanese (570206). Vocational major 570206 Applied Japanese (应用日语), 3 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向).; Higher vocational college (高职专科) major: Applied Vietnamese (570215). Vocational major 570215 Applied Vietnamese (应用越南语), 3 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向).; Higher vocational college (高职专科) major: Business Japanese (570205). Vocational major 570205 Business Japanese (商务日语), 3 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向).; Vocational bachelor (职业本科) major: Applied English (370201). Vocational major 370201 Applied English (应用英语), 4 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向). Example certificates: Translation and Interpretation Professional Qualification (CATTI).; Vocational bachelor (职业本科) major: Applied Foreign Languages (370206). Vocational major 370206 Applied Foreign Languages (应用外语), 4 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向). Example certificates: Translation and Interpretation Professional Qualification (CATTI); Cross-border E-commerce B2C Data Operations.; Vocational bachelor (职业本科) major: Applied Japanese (370202). Vocational major 370202 Applied Japanese (应用日语), 4 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向). Example certificates: Translation and Interpretation Professional Qualification (CATTI).; Vocational bachelor (职业本科) major: Applied Russian (370204). Vocational major 370204 Applied Russian (应用俄语), 4 years. The Ministry of Education's 2022 major profiles list this occupation among those the major prepares students for (职业面向). Example certificates: Translation and Interpretation Professional Qualification (CATTI).

Pay · AI and this job

• Median pay in China: CN¥49,600 a year (2025).
• Middle half: CN¥36,500 to CN¥67,400. One in ten earn less than CN¥29,000 and one in ten more than CN¥96,600.
• This is the figure for the mid group Leasing and Business Services Workers, not for this job alone.
• National figure: wage prices of enterprise employees from the Ministry of Human Resources and Social Security (MOHRSS) enterprise pay survey. The public sector and the self-employed are not covered.
• Guangzhou only: median CN¥74,400 a year (2025), middle half CN¥55,267 to CN¥112,194.
• This is the figure for the minor group Business Consulting Services Workers, not for this job alone.
• Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Who does this work

• The census group Leasing and Business Services Workers holds 0.92% of everyone employed in China; 29.3% of its workers are women (2020 Census).
• 37.1% are under 35, 43.5% are 35 to 54 and 19.4% are 55 or older. The middle age band is 40 to 44.
• Census figures for the whole mid group (2020 long-form sample), not for this job alone.

Related jobs

• Risk Manager
• Science and Technology Consultant
• Customer Service Manager
• Business Data Analyst

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Questions people ask

How do I become a Credit Manager?

Ways in include: Higher vocational college (高职专科) major: Applied Foreign Languages (570208); Higher vocational college (高职专科) major: Applied Japanese (570206).

How much does a Credit Manager earn in China?

Across China, the median pay of enterprise employees is CN¥49,600 a year (Ministry of Human Resources and Social Security (MOHRSS), 2025). The public sector and the self-employed are not covered. It is the figure for the mid group Leasing and Business Services Workers. In Guangzhou alone it is CN¥74,400 a year (2025).

Will AI change the work of a Credit Manager?

Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Sources

• Ministry of Human Resources and Social Security (MOHRSS): 2025 enterprise pay survey information: wage prices of enterprise employees by occupation mid group, and digital occupations (P10 to P90 annual CNY) (2025 (published 2026-07-08)), retrieved 5 October 2026
• Guangzhou Human Resources and Social Security Bureau: Guangzhou 2025 labour market wage prices (P10 to P90 annual CNY by occupation) (2025 (enterprise pay survey)), retrieved 4 October 2026
• National Bureau of Statistics of China: China Population Census Yearbook 2020, long-form tables 4-6 and 4-7 (employed by occupation mid group, sex, age) (2020 Census long form (10% sample)), retrieved 4 October 2026
• International Labour Organization, Generative AI and Jobs: A Refined Global Index of Occupational Exposure (ILO Working Paper 140, Gmyrek et al.) (ILO Working Paper 140, May 2025, Annex Table A1), CC BY 4.0, retrieved 4 October 2026

Sources: Occupational Classification of the People's Republic of China (2022 edition, public consultation draft), Ministry of Human Resources and Social Security, State Administration for Market Regulation and National Bureau of Statistics; Ministry of Human Resources and Social Security, 2025 enterprise pay survey information; Guangzhou Human Resources and Social Security Bureau, 2025 labour market wage prices; National Bureau of Statistics of China (www.stats.gov.cn), 2020 Population Census yearbook; Ministry of Education, vocational education major profiles (2022 revision) and undergraduate major catalogue (2025); Ministry of Human Resources and Social Security, national vocational qualifications catalogue (2021); O*NET interest scores (CC BY 4.0); ILO global generative AI exposure index (CC BY 4.0). Figures processed by Peernovo. English text, translations and the matching of occupations to ISCO-08, majors, degree fields and qualifications by Peernovo.

Descriptions and tasks are Peernovo's own words, written from the facts in the Occupational Classification of the People's Republic of China (2022 edition). Job titles and work types are the classification's own.

Updated 5 October 2026