Credit managers have three main responsibilities: to define, implement and monitor the proper enforcement of the company's credit policy with regard to clients and suppliers. They act as arbiters between different sales and financial departments, each of which has its own objective - the former to increase sales and the latter to ensure the financial security of the company.

The credit managers' main goal is, therefore, to find a profitable balance between the business strategy, the cost of credit and the client's risk of insolvency. The credit manager's job: make sure that clients pay on time, at the end of the shortest period possible. Credit managers assess the risk for each client and establish the credit facilities based on the commercial stakes.

They must research and offer payment methods to representatives that are attractive to their clients while not being overly risky for the company.

They determine credit limits, examine the risks that the company is and is not able to run, analyze clients' solvency, negotiate credit terms and implement margin, rate and guarantee policies. Finally, they must implement preventive measures to insure against risk.

Having a solid foundation in finance, business and negotiation, they work on both finance and sales, whether it be in their country of origin or abroad working for a foreign company.