Finance, accounting and banking careers: job types, requirements, licences and pay
For school leavers and graduates looking for a first job or a new one. Compare finance, accounting and banking careers by degree, licence or certification, scam risk and the status of their pay data.
Summary
- KarirAman has 10 career guides in Finance and accounting.
- 5 of them are licensed professions.
- 5 careers carry a high or very high risk of job scams.
- Each row links the full guide: duties, requirements, pay data, training routes and scam patterns.
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How do Finance and accounting careers compare?
| Career | Typical entry education | Licence or certification | Scam risk | Pay data available | Best for |
|---|---|---|---|---|---|
| Accountant | Bachelor's degree (S1) | State register of accountants; public accountant licence for audits | Low scam risk | BPS group reference and the minimum wage only | Accounting graduates who are precise and ready to sit the CA or CPA certification exam editorial judgement |
| Accounting Staff | D3 diploma | BNSP competency certificate (optional) | Low scam risk | BPS group reference and the minimum wage only | Accounting graduates who are careful with numbers, keep records tidy and cope with closing deadlines editorial judgement |
| Auditor | Bachelor's degree (S1) | Public accountant licence to sign audit reports; BNSP competency certificate (optional) | Medium scam risk | Official government pay scale | Accounting graduates who are critical, thorough and able to stay independent when checking editorial judgement |
| Bank Back-Office Staff | D3 diploma | BNSP competency certificate (optional) | High scam risk | BPS group reference and the minimum wage only | Diploma or degree holders who are careful with documents and prefer back-office work to the counter editorial judgement |
| Bank Teller | D3 diploma | BNSP competency certificate (optional) | High scam risk | BPS group reference and the minimum wage only | Diploma or degree holders who count accurately and enjoy serving customers at a branch editorial judgement |
| Debt Collector | Senior or vocational high school | Professional certificate in collection (required at finance companies and collection agencies); BNSP competency certificate (optional) | High scam risk | BPS group reference and the minimum wage only | Patient, calm people who can deal with debtors and work within OJK collection rules editorial judgement |
| Financial Analyst | Bachelor's degree (S1) | OJK WPPE, WPEE or WMI licence, only for certain roles at securities companies; BNSP competency certificate (optional) | High scam risk | BPS group reference and the minimum wage only | Finance or accounting graduates who like numbers, spreadsheet models and writing recommendations editorial judgement |
| Insurance Agent | Senior or vocational high school | Agency certificate and registration with OJK | High scam risk | BPS group reference and the minimum wage only | People who like meeting new people, explain products honestly and are ready to earn by commission. editorial judgement |
| Loan Officer | D3 diploma | BNSP competency certificate (optional) | Medium scam risk | BPS group reference and the minimum wage only | Diploma or degree holders who like meeting people, assess small businesses carefully and enjoy fieldwork. editorial judgement |
| Tax Officer | D3 diploma | No specific licence | Medium scam risk | BPS group reference and the minimum wage only | Accounting or tax graduates who are precise and keep up with changing tax rules editorial judgement |
"Best for" is an editorial judgement, not an official requirement. Pay-data status is described in words; the figures and their sources are on each career page.