How much does a Debt settlement manager make

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  2. Debt settlement manager
Image that illustrates Debt settlement manager

Debt settlement manager

35 000 kr

Debt collectors and pawnbrokers etc.

34 000 - 43 300 kr / month

Administration, ekonomi

What will be the salary after tax?

Salary progression Debt settlement manager

Average salary 35 000 kr
Males 0 kr
Females 34 200 kr
1 Likes 0 Comments 11 Vacant jobs ->

What does a Debt Restructuring Officer do? – Tasks and Work Environment

A debt restructuring officer works to assist individuals with large debts in applying for and implementing debt relief. The role involves reviewing financial documents, assessing repayment capacity, and establishing installment plans in consultation with debtors and creditors. The work is often commissioned by authorities such as the Swedish Enforcement Authority, but also within private collection agencies. The officer acts as a link between the debtor and creditors, while ensuring legal compliance and following legislation related to debt relief. The work environment is mainly office-based and characterized by high workload, complex cases, and frequent contact with clients in vulnerable life situations.

Salary Development Over Time

The salary for a debt restructuring officer has shown steady and positive growth in recent years. In 2022, the average monthly salary was 32,000 SEK, rising to 34,200 SEK in 2023. Between 2023 and 2024, the average salary increased further to 35 000 kr, representing an increase of about 2.3% from the previous year and a total of 9.3% over the two-year period. This salary development can be explained by increased demand for qualified officers within debt relief, especially as more individuals seek support to manage their debts. The job market has also been influenced by legislative changes and increased case complexity, which has raised the value of expertise in the profession.

Debt Restructuring Officer Salary – Complete Overview

  • Average salary: 35 000 SEK/month
  • Minimum salary: 34,000 SEK/month
  • Maximum salary: 43,300 SEK/month
  • Hourly wage: 210 SEK
  • Women: 34,200 SEK/month
  • Men: Insufficient statistics
  • Regional differences: Not available at present

Education and Qualifications

To work as a debt restructuring officer, a post-secondary education in economics, law, or social sciences is typically required. Many employers value experience from collections, government work, or financial advising. Practical understanding of legislation and the ability to handle sensitive cases are essential.

  • Post-secondary education: Economics, law, or social sciences (2–3 years)
  • Certifications: Courses in debt relief, collections, or public administration can be advantageous
  • Practical experience: Experience from government agencies, banks, or collection agencies is valuable
  • Prerequisites: High school diploma with a focus on economics or law is recommended
  • Tip: Combine theoretical studies with practical experience to increase employability

Many debt restructuring officers report that the profession involves meetings with people in crisis, requiring both empathy and the ability to make difficult decisions. Building trust while being clear about rules and processes is central to daily work.

– statsskuld.se

Common Benefits and Compensation

Typical benefits for debt restructuring officers include wellness allowances, vacation benefits, and opportunities for professional development. In some cases, flexible working hours, occupational pensions, and remote work options are offered depending on the employer and operational needs.

Competition and Challenges

Competition for positions as a debt restructuring officer varies depending on region and employer. Since the profession requires both legal and economic knowledge, as well as strong social skills, it is important to handle complex cases and sometimes stressful working conditions. Workload can be high, especially during periods when many seek debt relief. Additionally, the work involves making difficult decisions that impact individuals’ lives, demanding resilience and integrity. The lack of detailed future forecasts makes continuous skill development and staying updated on legislative changes especially important.

Tips for Aspiring Debt Restructuring Officers

To succeed as a debt restructuring officer, it is beneficial to combine analytical skills with strong social competence. Attention to detail and the ability to interpret legal documents are crucial for managing complex cases correctly. A good approach and patience are helpful when dealing with clients in difficult financial situations. Being resilient during periods of high workload is important, while decisions must be based on legislation and individual circumstances. Being attentive and pedagogical, especially when explaining complex financial issues, is an advantage. Continuously furthering education and staying updated on developments in the field increases career prospects.

Key Facts about Debt Restructuring Officers

  • Average salary: 35 000 SEK/month
  • Salary range: 34,000–43,300 SEK/month
  • Education level: Post-secondary education in economics/law
  • Work environment: Office-based, government or collection agency
  • Demand: 758 available jobs within the profession

Career Paths and Future Outlook

After three to five years as a debt restructuring officer, there are opportunities to advance to more qualified roles such as collections specialist, team leader, or head of a case management unit. Experience in the field can also lead to positions as financial advisors or other specialist roles within authorities and the finance sector. According to the Employment Service, no detailed forecast exists due to limited data, but there are approximately 758 available jobs in related fields such as collectors and pawn loan officers, indicating some demand. The increasing complexity of debt relief and legislative changes are expected to drive continued demand for qualified officers.

Frequently Asked Questions about Debt Restructuring Officers

  • What is the average salary of a debt restructuring officer?
    - The average salary is 35 000 SEK per month.
  • What education is required to become a debt restructuring officer?
    - Post-secondary education in economics, law, or social sciences is recommended.
  • Are there salary differences between women and men?
    - Women earn an average of 34,200 SEK, but there is insufficient data on men's salaries.
  • What is the work environment like?
    - The work environment is mainly office-based and can be both fast-paced and emotionally demanding.
  • What career development opportunities are available?
    - Opportunities exist to advance to specialist roles, team leader, or managerial positions within authorities and finance.
  • What is the maximum salary a debt restructuring officer can earn?
    - The highest reported salary is 43,300 SEK per month.
  • What are the future prospects for the profession?
    - Projections are lacking, but there are 758 available jobs, indicating some demand.

Richard Andersson

Richard Andersson - 2025-07-08 02:07:16

Occupation
Who has the highest salary?
The highest salary for a Debt settlement manager is 43300 kr. This salary belongs to a man working in the Privately employed workers with a unspecified education. The highest salary for a woman in this profession is 34200 kr.
Who has the lowest salary?
The lowest salary for a Debt settlement manager is 34000 kr. This salary belongs to a woman also working in the Multiple sectors. The lowest salary for a man in this profession is 43300 kr.
Salary distributed by age and sector
Age Women's salary as a percentage of men's Base salary Monthly salary
25-34 32100 kr 32400 kr
Snitt 34600 kr 35000 kr
* Empty columns indicate that the statistical data was insufficient to allow for a statistically significant conclusion.
Salary per sector
Salary based on education
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About the data

All information displayed on this page is based on data from the Swedish Central Bureau of Statistics (SCB), the Swedish Tax Agency and the Swedish employment agency. Learn more about our data and data sources here.

All figures are gross salaries, meaning salaries before tax. The average salary, or mean salary, is calculated by adding up the total salary for all individuals within the profession and dividing it by the number of individuals. For specific job categories, we have also considered various criteria such as experience and education.

Profession Debt settlement manager has the SSYK code 4212, which we use to match against the SCB database to obtain the latest salary statistics.

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