Ebenezer Scrooge: What do you want with me?
Jacob Marley: You will be haunted by three spirits.
Ebenezer Scrooge: I'd rather not.
Ebenezer Scrooge: I see you wear a scabbard but no sword.
Ghost of Christmas Present: Indeed! Peace on earth. Goodwill toward men.
Ebenezer Scrooge: I'm light as a feather! Merry as a schoolboy!
Answer: Mr. Scrooge is a moneylender and Bob is his clerk. Moneylendering is different than something like a bank loan because interest rates are much steeper and usually the last resort for poor people who can't get bank loans. In essence he's a loan shark.
Bishop73